THE ABSOLUTE WORST COMPANY IVE HAD TO DEAL WITH ESPECIALLY THE CUSTOMER SERVICE. FOR A LARGE COMPANY THAT INDICATES THE BEST SERVICE I'D HAPPILY LIKE TO GIVE A MINUS 10 AND LOWER. I HAVE SPOKEN WITH 3 ASSOCIATES 3! SARAH, RACHEL, AND SOME OTHER DUMB GIRL. ONE AFTER ANOTHER, KEPT TRANSFERING ME TO ANOTHER REPRESENTATIVE BECAUSE THEY ARE FOR THE MOST PART POORLY TRAINED, EXPRESSIONLESS, ROBOTIC EMPLOYEES. THEY ALL GAVE ME MIXED INFORMATION ON MODIFICATION OF MY CURRENT LOAN AND WHEN I NEEDED A TRANSLATOR THE TRANSLATORS WERE VERY ROBOTIC, DEPRESSED HATING LIFE INDIVIDUALS THAT DIDNT HELP AT ALL ....