I have had extreme difficulties paying back my private student loans. Access Group will send emails to me saying to call they can help and options, when in fact they have no options. Access Group put XXXX of loans in default, even though there was no technical default ( meaning the accounts were not XXXX past due ). Most recently, I was 177 days past due. I went to make a payment so as not to default, but Access Group and " suspended activity '' on the account, making it appear that it was impossible for me to make a payment. They did it on a Friday, so that if I had tried to pay over the weekend, my accounts would, in fact, have gone into default. I was finally able to make a payment, I consider these unfair practices and fraud. 
