tag:blogger.com,1999:blog-3266538373986675799.post114208895750714666..comments2023-09-04T02:31:54.104-05:00Comments on Sallie Mae's Bitch: Sallie Mae The Billion Dollar Scammer! No Online Principal Only Payment Option!Sallie Mae's Bitchhttp://www.blogger.com/profile/06793605433882593904noreply@blogger.comBlogger37125tag:blogger.com,1999:blog-3266538373986675799.post-70058584819456487212018-08-15T02:13:35.489-05:002018-08-15T02:13:35.489-05:00Thanks for the information, this is very useful. A...Thanks for the information, this is very useful. Allow me to share a health article here, which gods are beneficial to us. Thank you :)<br /><br /><a href="http://rumahobatacemaxs.com/inilah-penyebab-mual-dan-muntah-tiba-tiba/" rel="nofollow">Inilah Penyebab Mual dan Muntah secara Tiba-tiba</a><br /><a href="http://rumahobatacemaxs.com/obat-asma-alami-untuk-semua-usia-terbukti-ampuh/" rel="nofollow">Obat Asma Alami (untuk semua usia),Terbukti Ampuh</a><br /><a href="http://rumahobatacemaxs.com/obat-keloid-menahun/" rel="nofollow">Obat Keloid Menahun</a><br /><a href="https://goo.gl/kAGRLT" rel="nofollow">Obat Herbal Penghancur Kista Ovarium</a><br /><a href="https://kumpulanherbal829607618.wordpress.com/2018/08/09/obat-nyeri-tumit-tradisional/" rel="nofollow">Obat Nyeri Tumit Tradisional</a><br /><a href="https://obatususbuntutanpaoperasi.com/obat-usus-buntu-tanpa-operasi-aman-tanpa-efek-samping/" rel="nofollow">Obat Usus Buntu Tanpa Operasi</a>Obat Syaraf Kejepit Alamihttp://rumahobatacemaxs.com/obat-syaraf-kejepit-alami/noreply@blogger.comtag:blogger.com,1999:blog-3266538373986675799.post-79138386951480814332018-06-21T13:17:16.182-05:002018-06-21T13:17:16.182-05:00Bonjour à vous tous,
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I sent Sallie Mae an addi...I am equally frustrated. I sent Sallie Mae an additional payment for $1,000 by check with a letter specifically instructing them to apply the full amount to principal only and to not advance my due date. Sure enough they applied $15.34 of the payment to interest and advanced my due date. This is after having made two additional payments online earlier this month (which of course went to both interest and principal). All told I have paid over $40 in interste when past interest payments have been about $32. It feels like I am going backwards. I spoke to two customer service reps (based in India I believe) and was eventually transferred to a supervisor in Wilkes Barre only to receive the same canned speech that student loans accrue interest on a daily basis and that essentially there is no way to make principal only payments. I explained that I never had a problem making additional principal only payments with my two other student loan lenders but that fell on deaf ears. They finally agreed to reverse the advanced due date but would not budge on the interest payment. They told me the only way a payment would be applied to principal only is to make the additional payment on day of my due date when the interest has been reset. I have actually tried that in the past but they just advanced my next payment date. I asked who I could talk to up the chain of command work out a way to ensure that additional payments are applied to principal and that my due date is not advanced but they refused to transfer my call any further and would not give me a name and address to email/mail. They claim the form email on the website will find its way to the right person. The supervisor did mention that I could request to increase my regular payments. Apparently this is something that can only be done over the phone. Has anyone else had any luck doing that? If so did it bring down your principal any faster or did they find a way to just apply the extra to interest?<br /><br />I would love to know how the person who posted on March 27,2013, got them to manually adjust their back payments to principal only. I have had the opposite happen. They reallocated some of the past payments applied to my account through Upromise that had been partially applied to principal so that it is now 100% applied to interest. I'd also like to point out that the principal only option is no longer on the website.<br /><br />This feels very much like predatory lending indeed. What options do we have to fight this?<br />Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-3266538373986675799.post-25480847161541639452014-07-25T12:56:15.060-05:002014-07-25T12:56:15.060-05:00This thread has been going on for 4 years and I...This thread has been going on for 4 years and I'm sure the SCAM that Sallie Mae has going on has been in the works for a lot longer. Once I noticed how my payment was being allocated I about cried. There is no way out! This is insane. We DO need a class action suit.Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-3266538373986675799.post-40454796586552795802014-03-31T18:48:08.590-05:002014-03-31T18:48:08.590-05:00We need a class action suit.We need a class action suit.Anonymoushttps://www.blogger.com/profile/02847427140469275758noreply@blogger.comtag:blogger.com,1999:blog-3266538373986675799.post-74157689756314892272013-09-09T21:50:31.952-05:002013-09-09T21:50:31.952-05:00I, like everyone else above, got screwed recently....I, like everyone else above, got screwed recently. I had been paying extra towards my higher interest rate loans when I can (saving until I had an extra 5K). I would mail this in with explicit instructions (even underlined and repeated several times) to direct the extra payment towards this one particular loan in my account. I was up-to-date on my minimum payments..So what did they do?? They dispersed it through out my other loans with more than half of my amount towards interest. I cried (literally). I am taking my hard earned money..actually saving it up..and this is what happens. THEY ARE CROOKS. I emailed them..waiting to hear back. I can only pray that they get whats coming to them..on earth or beyond. That's how bad I think they are.. I am a doctor, I worked hard through training, but I wont ever get out from this debt if they do this to me. Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-3266538373986675799.post-86834486584684802822013-04-11T10:58:21.339-05:002013-04-11T10:58:21.339-05:00I had two people tell me it was ok to pay off the ...I had two people tell me it was ok to pay off the unsubsidized part of my loan. When I did so, they applied the money across all loans "in accordance with their policies". I called again and this rep insisted that I was misinformed. After much bickering, she put me on hold and contacted the processing center. It was straightened out later that afternoon. Their customer service is outsourced to India from what I understand. Whose idea was this with the unemployment rate being what it is in this country. I can understand why someone would not want to be working in the hot fields or on a construction site. But surely an overqualified person whouldn't mind being a customer service rep until something better came along. And this is a government agency??Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-3266538373986675799.post-51594897218684745072013-03-27T14:11:57.650-05:002013-03-27T14:11:57.650-05:00I just had a long and angry "conversation&quo...I just had a long and angry "conversation" with several of there employees. They now have the option to pay "principle only" with online payments. If you have a similarly angry "conversation" they will go back and manually change all of your back payments to principle only. Keep escalating until you get an account manager.Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-3266538373986675799.post-71370424122143519562013-03-25T00:15:33.131-05:002013-03-25T00:15:33.131-05:00I paid over 6K and it only took like 2k off my tot...I paid over 6K and it only took like 2k off my total! WTF!!! WHAT A SCAM!!!! I am calling tomorrow and raising hell! I will pay the total tomorrow so I dont wase 4k every 3 years... this is a joke!@@!#Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-3266538373986675799.post-49177258753681737822013-03-22T17:45:44.313-05:002013-03-22T17:45:44.313-05:00Sallie Mae is the Devil.Sallie Mae is the Devil.Anonymoushttps://www.blogger.com/profile/07974807957200186379noreply@blogger.comtag:blogger.com,1999:blog-3266538373986675799.post-22521506840919528062013-01-06T01:34:07.108-06:002013-01-06T01:34:07.108-06:00I find it best to use their online chat feature to...I find it best to use their online chat feature to make payments. I print all conversations out and when I have money for a lawyer, I will have a case because I have documentation. I'm just waiting and hoping for laws to change. I will claim bankruptcy the moment I can. I've read stories about people that were able to claim undue hardship and have their loans bankrupted. I'm paying them $1154 a month, not to mention my fed loans that are $136. I'm so poor and I shouldn't be.Sandynoreply@blogger.comtag:blogger.com,1999:blog-3266538373986675799.post-37306809383082484902012-09-05T18:19:30.421-05:002012-09-05T18:19:30.421-05:00You never had an issue using the phone method? Di...You never had an issue using the phone method? Did they charge you for making a payment over the phone? If so, did they you twice for making two payments?<br /><br />Thanks! I might have to do this. The only thing I'm not sure about is penalties... I just now found out that there may be penalties for paying early. I'm not sure if this is true with my loans.Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-3266538373986675799.post-5632693200675908852012-09-05T16:59:03.108-05:002012-09-05T16:59:03.108-05:00Help! I don't know what to do...
After I fin...Help! I don't know what to do...<br /><br />After I finished school, I didn't have much of an income. So, I sent letters out to senators, congressman, hell even the white house. I heard back, and I got a number for Sallie Mae who had people working that you could actually talk to. I went through a financial statement, and they dropped interest rates on 1/3 of my loans down to 2% for a year (they were originally upwards of 13%!!!) <br /><br />Needless to say, I got a better job, and earned a lot more money over the year. And I never told them. Fuck them. But now it's been a year, and they're still at 2%, and it's a ticking time bomb every month wondering when they'll jack them back up again. I don't know if it was swept under the rug and never noticed cause they have so many borrowers or what.<br /><br />In about 7 months or so, 2/3 of my loans will go into standard payment (I've only been paying interest on these two loans) and now what do I do? There's 2 of them. And they are at variable interest rates. But in 7 months I will have 1/3 of my loan debt saved up. <br /><br />So...<br /><br />Do I pay off the fixed interest rate loans that are now down to 2% thinking they'll eventually go back up?<br /><br />Do I pay off the others that have a variable interest rate?<br /><br />or <br /> <br />Do I continue to save my money, make the standard payment, until I have enough to pay them off? <br /><br />I don't know if it's safe to make such a large payment after reading everyone's comments about how they misapply the money. But I don't see how they could misapply an amount so high that's the whole loan towards interest. But I'm also scared if I pay a lot that they'll jackup my payments some how. Can they do that? I'm almost tempted to save everything I can and make one huge payment and be done. Then they can't say shit. But that's going to take another 4 years, and I'll be wasting so much money on interest by then, and then I get anxiety about making such a huge payment.<br /><br />If I could just over pay now... I suppose I can try doing the phone thing. <br /><br />What would you guys do?Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-3266538373986675799.post-22526696220000565152012-08-27T11:56:20.186-05:002012-08-27T11:56:20.186-05:00Another ridiculous thing about their online paymen...Another ridiculous thing about their online payments. You can not increase the Auto Payment amount, you can only apply to decrease it! What a joke, they want you to never pay these loans off.Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-3266538373986675799.post-48947026207515273082012-06-15T17:34:58.549-05:002012-06-15T17:34:58.549-05:00I had a problem of a similar vein. One major issue...I had a problem of a similar vein. One major issue is the complete lack of experience the majority of the customer service reps have in finance. I lack a finance background, but I do understand one concept in the world of student loans: pay off higher interest loans first. <br /><br />I have two groups of loans. Group A contains three loans; Group B contains two loans. One of the loans in Group A has an interest rate of 8.25 percent. All the other interest rates are lower. <br /><br />My total minimum payment for both groups is X each month. I pay X plus extra each month. Obviously, I want the extra to go towards paying the loan with the highest interest rate. When my loans first went into repayment, this is how I instructed Sallie Mae's agent. Nonetheless, Sallie Mae began dispersing my extra payment evenly among all loans.<br /><br />I have invariably attempted, for the past year, to get a Sallie Mae representative to understand what I wanted accomplished. None of them seemed to understand why I would want to apply the extra payment against the high interest loan. I would get passed from one rep to the next with the promise that the next would accomplish my goal. This became increasingly frustrating. Finally, in a state of desperation, I was able to get Sallie Mae to apply the extra--not to my high interest loan--but rather the loan billing Group A, where the high interest loan was contained. Thus, applying the extra among a smaller subset of loans (which was better than nothing). <br /><br />This was about 6 months ago. I recently decided to give it another shot, and have finally--a year later--found someone that understood what I needed done. Bringing my point full circle: everyone I spoke to was superficially helpful, but it took me a full year and a dozen conversations to find someone who understood, (1) why someone would want to pay down high interest first; and (2) how to apply my extra payment accordingly. It seems disingenuous on a lenders part to take an extra payment and apply it in a fashion that best suits their bottom line. It's even further disconcerting to know that the lender is incapable, on a systematic level, of understanding basic finance. It's a complete administrative nightmare. <br /><br />As to your issue, I have a genuine doubt that whoever is responsible for collecting and applying your payment specifically allocated for principal understands the difference between interest and principal in the first place.Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-3266538373986675799.post-20683570738010281942012-06-12T20:40:40.731-05:002012-06-12T20:40:40.731-05:00I am still in the "grace period" before ...I am still in the "grace period" before my Salliemae loans become due as I just graduated. I have sent two payments in , each 1000. dollars with a typed letter specifically stating I wanted it applied to my unsubsidized loans only because they are accruing interest even now. Both times they have applied my payment to both subsidized and unsub portions of my debt. How convenient for them since the unsub loans have a much higher interest rate. When I call and complain they tell me they will fix it, but they never seem to. Idiots! I was hoping to get all my unsub loans paid before my grace period is up. What a pain in the hoo ha!Anonymousnoreply@blogger.com