Sallie Mae has been horrible in working with us to pay back our loan. They started out with a payment of only $10 per month, then jacked it up to $180 per month after one year. If you get behind, they'll promise to renegotiate to a lower payment plan if you catch up, but when you catch up and call to work on it, they hang up on you. They'll call up to 5 times a day at home and will call at work even when you tell them to stop calling. They are rude and ruthless. Do NOT take out a loan from this company.