Whether or not you like this person is beside 
the point. I HATE my college loan people, I 
still have to pay them.

Boy, I hear that!  only another $12,000 to go...I 
can't believe the government charges a higher 
rate on my student loan than the bank charged for 
my car loan... it's good to know the goverment 
makes money off my trying to get an education.