I have been getting calls from Discover Student loan almost daily, some times more than twice a day. Early morning, late night. I spoke with my Account Manager to arrange payments of {$300.00} per month. I have been making my payments online through XXXX XXXX. It did n't stop the calls and emails saying that I missed payments. When I spoke to my account manager, although they are trying to be polite, they are very condescending and keep saying I am not making payments which is not correct. Unlike XXXX XXXX who is more willing to listen and give more information on how to pay without putting me and my family ( I am single mother ) in financial hardship, they kept asking me " When in XXXX XXXX next month ) can we start the payment of {$680.00} XXXX which is more than double of what I currently pay )? '' They practice of debt collection should not be legal and I do n't believe they are disclosing information and options for my loan payments. 

I know XXXX XXXX is not perfect, but they at least talk to me like a customer and a human. They give me the opportunity to present my expenses and income and work out a number that will work. Not a " sales '' call to get as much money that I can not afford out of my paycheck and threatening to take legal action, threatening me not to ever take my loan out of default unless I pay everything off.. the whole {$23000.00} with interest, even though I make payments monthly? That is putting a burden on my finance having that on my credit history for however long it takes me to pay that off. instead of working out a number that can work for both side in a long run. That is a big chunk of money that they requesting. They absolutely do not care about education loan industry. They should be not be providing student loan with the collection practice.