second that...SaillieMae is a terrible company and any time school or loans comes up I tell people to avoid this company like the plauge. They are charging me 18% on a private loan and I have /and have had good credit and never missed a payment or anything like that they are just in the habit of screwing people... then they missapply payments they call you 10X a day even after you have pointed out thier BS mistake and request they stop calling and during hours they should not be calling. Yeah they used to be a goverment agency so they act above the law....I hate them