Let me tell you dear, they are allowed to call 4 times a day on any phone number, relatives, your job etc. since you are in debt with your loan, you are in the highest level of default, the gov does not care how much you make unfortunately and the rehab program is actually meant to HELP you. that program wipes your credit score clean, after the 6th payment you are eligible for financial aid and going back to school, your interest that collects daily by the fed. gov. (not pioneer credit) will then be yearly interest, you are funded to a new... read full review »