I ve never had any issues whatsoever with UHEAA. I...

I ve never had any issues whatsoever with UHEAA. I ve requested different payment plans, asked to only pay interest for six months until I could clear a medical bill up and they have always been happy to oblige. They ve given me rate discounts if I set up autopay, they ve given me several rate discounts for paying so many payments on time (started at 5.5% and 7 years later I m at 2.63%). I love these guys! My only complaint is the hold time. I would say on average it takes 10 minutes of hold time before you reach a representative.