Terrible company-Do not do business with them!!!! They will lie to you and will not return phone calls or emails once you try to contact them. Will report them to the BBB and State Attorney's Office (FL) for accepting a check that I signed over to them and they applied the whole amount towards the principal, when in fact I sent them a letter requesting to spread out my payments over a short period of months. THEY HAVE DONE THIS IN THE PAST FOUR YEARS! I requested the check back and told Ben Inbody, poor customer skills, that I would send it back to the State of Florida Financial Aid Office since their company could not do this. He said he could not...Florida teachers and aids are loosing jobs right now and I told B. Inbody that what his company did was illegal by not notifying me, the customer, that their company could no longer spread out payments with a forgiveness pymt. I did not want the money applied toward the principal...Again, TEACHERS ARE LOOSING THEIR JOBS IN THE STATE OF FLORIDA-NELNET WILL RETURN THE MONEY BACK TO THE STATE AND I WILL MAKE MY MONTHLY PAYMENT WITH THEM AND FIND ANOTHER COMPANY TO DO BUSINESS WITH...