After checking out some of my rights online regarding student loan payback I called them and spoke to Jeannie. I told her I was willing to pay 200.00 a month. She wanted information about how much I make and where I work. I explained that I didnt have my pay stubs w.me and did not want them contacting me at work due to the type of work I do. Also let her know that I was willing to do an extended pay back. They wanted me to go into loan rehab which I am not willing to do. They wanted 16000.00 and kept asking how long it would take me to get that. I told them I wasnt going to get that money.

She then got more information including references and my husbands company. I made it clear that they are not to contact my husbands company. Then she went to see if she could get it approved. Another man came on the line and tried to talk to me about doing the loan rehab and they offered to forgive the down payment if I would give them my bank account information (I had told them to take my income tax if they had to but I didnt want my wages garnished). I refused and told them I dont trust giving my bank account information to anyone. I had told them how much I had in both accounts thinking they were going to do the loan consolidation.

I think the man got mad that I wasnt playing by his rules because he had been mentioning going to bat for me etc. and when it became clear I wasnt going to give my account information he told me then theres nothing I can do for you and hung up on me.

I admit I havent been paying my student loans so I am going to contact Sallie Mae and deal with them directly and pay on my loans. I hope I am doing it the right way now. I dont want my wages garnished and can afford to pay 300.00 a month.

Not sure what else to do.