When I found out that my $4K tax refund was intercepted due to my school loan being in default I immediately contacted Sally Mae to find out what I needed to do to get on top of this. I was told that my loan was now being handled by Texas Guarantee Student Loan who told me that they sent the debt to Van Ru. I contacted Van Ru and the rep that I spoke to, Nadia T., informed me my new balance and also let me know that I had been approved for $80 per month payments and that I could make arrangements to have this payment deducted from my bank... read full review »