I paid off my student loan, last July of 2007. I got the exact payoff from them direct. Since than they have said that I still owe 400$. They are nasty, they lie and say they have no notes. In May of January, and May of 2008 I sent them 60$, and than 100$, I spoke to the rep and we agreed I was done and the account would be satisfied as an agreement. Well here I am, October of 2008, they still say, I owe them 400$, they are threating me, my father, and I am frustrated. I am also a New York City Fireifgter, who just received two stents in my heart. I am freaking out!!! I hope someone can help me!!! read full review »