ACS has not been unfriendly to me. The contrary has been my issue. I recently experienced a con job. A friendly worker promised that she had just negotiated a truly income-sensitive payment plan for me and told me to go ahead and send in payments. I got intimidating letters from the lender! When I called back to clear things up, there was NO record of the supposed agreement, NO record of ALL the faxes I'd exchanged back and forth with this girl.

I had been lied to, and nobody is accountable.
I thought I was insane.
Later I heard NPR and New York Times reports of just such tactics. I had not imagined it. ACS pulled this on me.

At this time I am still trying to get a truly income-sensitive payment plan. My experience with student loan administrators is that they would rather you continue racking up rather than to allow you even ten dollars less so as to meet a truly income-sensitive level so a student can repay their loans.

Obama's supposed legislation to bring relief is not going to do so. He has left these sharks firmly in control of the administration of the loans, so these experiences will continue to happen to borrowers.