I am very disappointed in this company. I did not receive letters stating repayment of my loans until it was too late. At that point they were stating that I owed 19 percent extra and it had to be paid in full. I had not finished school but because I sat out more than 6 mos, they went into repayment. When I asked what options did I have, they told me to pay it in full or my checks would be garnished. read full review »