I took a loan out through sallie Mae in 2011 and have yet to pay off a {$2500.00} loan. They keep hiking interest rates and late fees and I 'm very sick of it. I ca n't afford it. Then they call my number all the time when I 'm maybe two days late and wo n't stop until they 're payment is processed and that 's not short timing by no means. It 's harassment. I encourage people to not go to college. It 's a scam.