Actual phone call to make January 2011 student loan payment on 12 January 2011. Ilene rep # C41368 gave me an amount due which included the not yet due February payment. The rep Ilene #C41368 informed me that federal guidelines allowed her to demand payment for not yet due months and collect funds for the February 2011 payment which again is not yet due. When I questioned her further she insisted that federal guidelines allowed her to demand payment. I asked her for a copy of the federal guidelines she was referring to. She said she'd be... read full review »