When beginning my college career at XXXX XXXX University, I had a federal loan. My second year I had missed a deadline and had to get a private loan. I came across ACS and they were willing to help me. I ended up using them throughout my years at XXXX from XXXX to XXXX and it was great. They recommended deferments etc. when I finished as I was not making a lot of money. Once I was no longer able to do push back any further, the nightmare began. I told them I could not pay what they wanted at the time and wanted to give them as much as I could. I even sent them my pay stub! Anything I could do to show them that I was just hurting and want to pay. Customer service as ACS is ridiculous. No one is willing to talk to you. help you, and they follow up on nothing. I continued contacting them on the same issues over and over and paid everything I could. It got to a point where I wanted to get a lawyer to help me. After hearing no response from ACS at all and just paying what I could on their ridiculous payments, fees, interest rates ... I receive a court letter claiming ACS is suing me. I had the opportunity to rebuttal and sent everything I could to the courts. All the emails between ACS and I, payments ... everything. I wish I could have the phone calls that they " record '' while attempting to speak with customer service. Well, my rebuttal to the situation was obviously denied by the judge because ACS is big business and no kid can stop them. I go to a lawyer to see my options. He says I can not file bankruptcy on private loans and I should just pay them! Not to mention this whole time while making payments and fighting with them I am being assessed a ton of fees on XXXX separate loans from them. So, finally we reach a point where we settle on a payment starting XXXX XXXX at {$210.00}. That 's great except it is all going to late fees and interest. Then XXXX XXXX they raise it to {$310.00} and that is all going to interest now. I ask them why it went up and all they can say is that that 's just how it is. I have {$170.00} TOTAL paid to my principal. Now today as we speak I have not missed a payment since we agreed to this settled payment amount ( well that lasted 1 year and was raised ) and now I go to schedule my payment and it is all zeroes and says " in collection ''. I am sorry if this story sounds long, jumbled, and crazy but I have been fighting with this company for so long that it really is crazy. I just feel like there is nothing I can do but sit back and get robbed with no help from anyone. These guys need to be shut down. I will tell anyone going to school do not mess with ACS. I saw consumer finance and this just seemed like a place who would listen and maybe give me a louder voice. Thanks for the great work.