Wells Fargo has been harassing my wife and I over the past year. We are crippled by this debt. When we told, we could not make the high payments, first they suggested consolidating the loans. After consolidation, the payments became even higher. Then, we asked to have them unconsolidated and they refused. it took several phone calls. Also, my wife gets calls almost daily just letting her know a payment is due. The loan has been deferred since she took some classes. They have called her and our mother in law who is the cosigner. The information is inconsistent online and who you talk to in person. and you just get the run around. Today, I was about to make a payment and they refused to take it. They said it has to be a bank card. This was my last straw. I offer to pay the money and you refuse to take payment. This has been a huge nightmare, and this vendor should be barred from taking on student loans. My wife even was diagnosed with XXXX and is not able to work full time. Still, they wo n't offer any relief.