I can't rate lower than very poor? That's a shame because Sallie Mae deserves it. I received a "quaint" paper coupon book stating my next payment is November 7th, which is correct since I had a forbearance for 3 months. I get online today to check my status like a good little borrower and find out I have $73 in late fees because I didn't pay for October when I was still in forbearance. My paper coupon says I owe around $300 but online my bill is over $500. By the way when I called for that forbearance I was charged the $27 over the phone fee 3 times for each month that I would receive forbearance. $27 a month to forbear? What other lender does that? I hope my consolidation goes through soon!