A very rude, threatening man badgered my mother into paying $13, 000 on a student loan her granddaughter defaulted on. Fortunately I was able to stop the transaction but the strong arm tactics used to scare an elderly woman into paying on a defaulted loan that was not hers are beneath contempt. Sallie Mae "discharged" the loan to collection. My poor mom was coerced into co-signing a loan for her granddaughter who has defaulted on the loan and thrown her grandmother under the bus. Sadly, companies like NES value tactics like this and have no regard for people they threaten.