I am currently graduated from the degree program for which the loans are attached to. However, I wish to file a complaint because I have noticed a common pattern emerge when attempting to use the auto-debit feature from SallieMae/XXXX payment system -- they say it works but it does n't actually work and it has caused multiple late fees and unwarranted phone calls. This has still occurred even after taking this to SallieMae 's Office of the Customer Advocate. Based on the auto-debit not working over the course of multiple months, I feel this is a predatory practice in which they assess more fees based on a faulty service.