I have been paying on this debt for over 7 years. I recently fell behind due to unemployment. They gave no relieve for months. Sent me an intimidating letter stating I was going into default and it would ruin me. I called them again, one of many times to explain my situation. They first offered me a payment of XXXX dollars of which nothing goes to the loan and would postpone the harassment for XXXX more month. When I explained my loan payment is normally less than that they recanted. Asked me a lot of intrusive questions about my living costs and then said we can just charge your normal month postpone the default and its even less than the XXXX. These people are predatory and untrustworthy. They should be put out of business. No other response is acceptable.