They begin calling at 8 AM, usually multiple times in a row. I no longer pick up because when I say that my daughter is not at home and ask to take a message, they hang up without saying another word. Her student loan repayments have been deferred, but apparently word never got to I.C. Systems. They call virtually all day, every day, until about 8 or 9 o'clock at night. I've thought about just saying I am my daughter so I can get a word in edgewise and tell them "my" student loans have been deferred, but I'm not a liar and don't intend to start lying just because they have no moral or ethical standards. read full review »