I co-signed the loans for my daughter. They send a reminder via email monthly-before the payment is due. They have misapplied payments numerous times in the past 2 yrs and drive you insane trying to get somebody on the phone to fix it. The woman yesterday blamed my daughter for them not applying the payment correctly. She was rather insistent that my daughter do a phone payment ( bear in mind she was n't even past due ) and urged her to do auto-draft. My daughter told her she would pay online, while she was on the phone. Her letter has XXXX amount-the woman on the phone is telling her a completely different amount due and can not justify why the difference. My daughter hung up on her, after giving her the information for her phone payment. Today they have started the day off at XXXX on my phone with an automated message to call a person that is non-existent. I know that is illegal in the collection agency world so I do n't see how they get away with that. They called my daughter at almost the exact time. She called and got somebody that informed her that the woman yesterday did n't code the account correctly. My daughter explained that she paid online yesterday and the money has already been taken from her checking account. They said the calls would continue for up to 48 hours! That is outrageous-total harassment! They have since called my phone XXXX more times by XXXX. Sallie Mae is going above and beyond to harass my daughter when she has proof that payment was made and the account is XXXX up-to-date. And unfortunately I can not check all XXXX boxes below, but they are NOT handling payments correctly, phone calls persist after we have confirmation they have received them and Customer Service is poor ( at best ).