I meant specifically in dealing with their customer service being knowledgeable and honest. Of course their online payment tools work properly, that's how they make money :). Suggestion- depending on your loan details, you may be able to pay down debt faster by paying the 1/2 the minimum twice a month. You're spending the same amount, but cutting down some of the interest every time which will reduce the principle faster over time and hence also reduce future interest accrued.