The MAIN thing that irritates me is the agreement ...

The MAIN thing that irritates me is the agreement is my payment's are AUTOMATIC. They were automatic for about 2 months, and every single month afterwards i was "late". Luckily not late enough for a penalty or rejection, but when i am busy, I DO forget. This is so sneaky and unfair, and especially if someone wasn't on top of calling the payment in like I am. The payment process over the phone is decently smooth, for some reason halfway through they started to send me to "another location" but it had the same waiting message so I'm not sure what the difference was. I am once again realizing i am "late" and I'm calling tomorrow to make a payment, hopefully i have concluded my agreement to be sent to another agency where I can get my tax return, and hopefully enter a deferral program to get this nightmare of student loans OUT of my life!