Your continual calls are turning into harassment considering how often you call even when our son's loan payments are not in arrears. Please stop the constant calls immediately. My husband and son receive the monthly bill and attend to it a.s.a.p. Please note that my son is still in school and I believe he shouldn't have to begin paying back any loans until he is out of school, but that is between you, my husband, son and the U.S. and State Laws. Unfortunately, I am the one who has to deal with your calls all week long, can do not a thing about the situation, and would like the calls to cease immediately. Thank you.