I have outstanding students. My Sallie may says I own zero balance. My USA loans have a balance of $3392.66. I have received calls from Pioneer Credit # 1-877-907-1804. They have threatened my income tax, and tried to get my unemployment bank card number to take auto with drawls out of my unemployment checks. With all the scams out there how am I to know who is the holder of my student loans. [email protected] read full review »