I used XXXX XXXX to help finance my XXXX 3years through college. Thankfully I graduated, with the help of grants and Federal loans, but I would NEVER use XXXX XXXX again. Nor would I allow any of my family to. The CUSTOMER SERVICE is the absolute WORST. Several times have I called and was spoken to in a disrespectful or condescending, inferior way. I was once told " well you did n't have to choose to get a student loan through us '' when I had called asking was there any type of way for me to qualify for any loan forgiveness, or debt management programs since I am trying my hardest to make payments and pay down as best possible all by myself as a single mother. Aside from their poor attitudes in customer service their interest rates are too high, they do n't have good forbearance or debt management programs, and the repayments are ridiculous. I wish I never dealt with XXXX XXXX.