I wish I could rate them less than very poor. They are absolutely horrible. They get a government bailout, yet still treat their customers like ****. Maybe they wouldn't need the bailout (and to send out government into even more debt) if they would use good business practice, such as being polite to customers, offering options and being willing to work with their customers. I offered to pay them as much as I could per month, and they said I had to either pay the whole amount or else nothing at all, because I would still be charged the late fees. Why would I pay anything at all then? Also, they call about 10 times per day despite the fact that I answer and talk to them every time. Isn't this harrassment? I've asked to speak with managers, but they hang up on me mid-call. I have no idea what to do, but I feel like I'll be dealing with them my whole life! Also, with their interest rates, I will end up paying more in interest than I'll actually have borrowed (as in, I'll be paying back 45,000 in interest when I only borrowed 41,000...total of 86,000!). Finally, I tried to pay money one month to go on forebarence and they screwed up the paperwork somehow, and charged me a late fee, even though I arranged this ahead of time. Never ever ever ever ever do business with Sallie Mae.