I have been having problems with Teresa Dooley too. I have a student loan that I have been taking care of for 2 or 3 years. It has never been late until now. I was two payments behind, because I was in the process of have the loan deffered. There was a missunderstanding and I got behind. Not because I just didn't want to pay it. She wouldn't even give my mom or me a chance to talk. Everytime we started to she cut us off. She was VERY rude and unprofessional. I told her I was trying to put my 9 mth old baby to sleep and she say's "That'll have to wait". I don't care what the issuse is he is most important and will always come first. I will not stand for that! I do realize she was just doing her job, but I too have worked in collections and there is a more perfessional manner to go about things. She was also very rude to my mother, who was doing nothing more than trying to cooperate and get it taking care of. I had given her (mom) the information to make to payment for me, and I told this lady that, and she continued to say that this was illegal! Well FYI if your name is on someone's account you are well within the law to use that account. It was an obsured conversation and ridiculous way of handling bussiness. I have never in my life been so outraged at someone trying to do their job. Most of the time I am very understanding and do whatever it takes to resolve the problem, but in this case I couldn't even speak with this women anymore, and just for the record I did pay it, all of it plus the following months payment.