I having been going back and forth with HESAA - NJCLASS students loan since XX/XX/XXXX. I graduated in XX/XX/XXXX and as soon as they received notice of my graduation they began sending me bills I believe in XX/XX/XXXX. I did not get a recent grad deferment or any assistance from them. So, I called to see what my options were and I let them I was not working at the time. Well they basically told me there was nothing I could do so my loan when into default because I could not make any payments. I have a daughter I am raising alone and I just recently started working so, I can not afford any wage garnishments. So, I called them today XX/XX/XXXX, and told them I wanted to make a payment Friday but i wanted to know what would get my loan out of default. I was told to either pay {$700.00} front or just get my wages garnished because they can not do anything for me. They were not trying to help me at all and they were so rude and unprofessional. Any student looking for a loan please do not chose this one because they are rude and unhelpful even to those who are willing to pay for their loan.