Sallie Mae (or any lender for that matter) can call up to 8 times a day on EVERY phone number on the account, If you have a home phone, a work phone and a cell phone, they can legally call you 24 times a day, every hour on the hour. If you answer the phone and verify your information, you can request that they set your name out of the dialer system for a couple days to give you time before the next call. Also, The best option IS payment, all of SLM's "programs" are really quick fixes that are only going to hurt you in the long run. To those who have Hundreds of Thousands of dollars in Sallie Mae loans, don't expect to make payments less then $1000, if you were making only $150 dollar payments a month, AND accruing interest, it would take you over 100 years to pay off the loan, you really think they are going to let you do that? To NEW students/borrowers READ YOUR PROM NOTE CAREFULLY. and finally, NEVER EVER EVER REQUEST A FORBEARANCE! it is the worst thing you could do for yourself, it will cause you to gain compound interest and it can make you end up paying almost double of the original loan amount.
thank you, =]