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    Our method of communication has evolved and has shifted from moving pens and papers unto moving messages through electronics and the use of world-wide web. I stared after her, picturing her as I'd seen her on the internet.

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    Finally, I had a payment pending for 2 weeks before it was credited to my account.If Fed Loan is a loan servicer, then why won't it process my payment!

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    Next, after Fed Loan confirmed to me that my direct debit was processed and I have a confirmation letter stating this, their payment system does NOT process my payment.

    I call back, and speak to another clerk, who tells me that Fed Loan has all kinds of problems with their payment systems, and that this happens all the time.

    I finally have to get her manager on the phone, who basically admits this without actually admitting it, and fixes all my problems.

    Fed Loan started off poorly in the fact that I had to re-sign-up for all of the direct debit and online statements that I already had setup with the Dept. To make matters worse, there is a lag time of approximately two billing cycles before my direct debit would kick-in.

    Also, my student loan qualifies for an interest rate reduction if I sign-up for online statements.

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