When the market came down I didn't have a job and did everything I could to pay my student loan but if you are a day late they essentially triple your interest, double your balance and garnish your wages and not by a few dollars they take HALF! You call them to work it out, they call you names, talk down to you and are VERY rude. They will hang up on you if you even stand up for yourself. I'm ask all folks that have any problems to post on here to tell your story. They have to be more reasonable. To get your garnishment to stop you have to pay on top of your garnishment! How do you do that when they take half of your paycheck? read full review »