SallieMae makes it really easy to apply and receive a student loan. Even someone who has bad or no past credit history can be accepted with a co-signer. My co-signer had excellent credit, but my interest rate was still pretty high for the prime being so low right now. Where they lack in interest rates, they make up in customer service. I've called them several times and each time I called, I speak with a clear talking, polite person who seems to be there to help me out and not just try to cheat me out of money. At the end of each conversation they give you the option to take a survey about how well there rep did, which shows me they are always trying to improve on how well their customer service is.