I am a CSR for a federal loan servicer. Because of this, I'm never going to talk about specifics of who I am, where I work, specific my-company policies, etc. I want to use this information for good because so many people have so many questions. So, I'm here. Going to post up a topic for questions if enough people think it's a good idea. Nice to meet everyone! I have a degree from a bricks-and-mortar school in something only tangentially related to my work at...haha, not gonna let it slip that easy. Possible topics on which I could wax eloquent for hours - repayment schedules, the evils of IBR, ICR, and ISR, the awesomeness of schedule 2 and 5, the fastest possible way to pay down your loans, a servicer that doesn't charge for any kind of payment, the only way to get people who speak English at Sallie Mae, the five ways to make sure I fight for you, why private loans are death incarnate (if you're here, you already know that) and why no one should ever consolidate until after their grace period. Looking forward to it.