Jump to content

Please consider disabling your adblocker for CreditBoards if you have not already done so.  This site depends on advertising revenue to stay online.

Sign in to follow this  

Sallie Mae and Allied Interstate

The last post in this topic was posted 2729 days ago. 


We strongly encourage you to start a new post instead of replying to this one.

Recommended Posts



I'm new here and I hope I'm posting in the right section. I graduated college in 2009 and starting making payments like normal after 6 months on my private loan through Sallie Mae. I paid $280 every month until I lost my job in May 2012 and was found ineligible to collect unemployment compensation. It took me about 6 months to find a new job. During my period of unemployment, I could not pay Sallie anything whatsoever. I was living on my savings only. I'm so glad I was able to find a new job in December.


Shortly after I lost my job in May '12, Sallie Mae upped my monthly payments to $480 a month. I couldn't afford to pay them a dime. They would not negotiate a thing with me whatsoever. Then the repetitive, harassing phone calls began around September, while I was still unemployed. When I got a job in December, I was planning on making normal payments to Sallie Mae again, but they were still unwilling to budge from their $480/mo, so I paid them what I could.


Then on January 10, 2013, my roommate committed suicide and I found him. (This is not a joke post whatsoever. I'm very serious about this.) I won't get too into the details. He was my only roommate, and also a good friend. Within a week or so of that, I informed Sallie Mae about what happened and I had to go back to paying them nothing because my bills doubled and I had to find a new place to live, which I did in mid-February. They did not offer me ANY options during that time. I was forced to continue missing my monthly payments of $480. I am now living in a new apartment with my girlfriend and also a mutual friend (which is what we wanted anyway, but not under these particular circumstances). Before moving, I had to use almost ALL my remaining money to pay for moving, a new security deposit + 1st month rent, etc. By the time I was done moving, I only had about $100 in my bank account. I'm just about to start repaying Sallie Mae, now that I have more money and a "decent" safety net.


Over the past 2 months, I've been getting voicemessages from a company called Allied Interstate. I never answer because they never say who they represent in their voicemessages. However, I googled their phone number recently and they are a debt collections agency who represents Sallie Mae. The strangest thing happened today.


This Allied Interstate place called one of my friends (from 8664530229) and disguised themselves as a potential employer who is looking to hire me. They told my friend that I used him as a reference, and that they had an incorrect phone number for me. I guess this is one of their tactics to track down people? I wish my friend could have recorded it. He said they've been calling him for a month and he's going to try to record it next time. This can not be legal at all!


Any opinions? I think I'm just going to ignore this Allied Interstate and go back to making normal payments through Sallie Mae.




Share this post

Link to post
Share on other sites

You have defaulted on the loan. AI cannot say on a voicemail who the represent.....that would be a violation of the FDCPA.


Since you failed to answer them, the next step is to skip trace you. My suggestion is to stay on their good side. Sallie Mae can and will sue on defaulted private loans, regardless of whether or not you are paying them. As for private loans, they do not offer payments you can afford or deferments due to hardship.

Share this post

Link to post
Share on other sites

They are allowed to contact third parties ONLY to obtain updated location information. However, I seem to recall something about pretexting (that is lying, i.e. pretending to be a potential employer) being a violation of the FDCPA, but I wouldn't swear to it. I get calls for my ex-wife all the time for student loans and other miscellaneous stuff. They tell me she listed me as a reference, and I tell them to stop lying, and absolutely NEVER attempt to contact me again.

Share this post

Link to post
Share on other sites

The last post in this topic was posted 2729 days ago. 


We strongly encourage you to start a new post instead of replying to this one.

Join the conversation

You can post now and register later. If you have an account, sign in now to post with your account.
Note: Your post will require moderator approval before it will be visible.

Reply to this topic...

×   Pasted as rich text.   Paste as plain text instead

  Only 75 emoji are allowed.

×   Your link has been automatically embedded.   Display as a link instead

×   Your previous content has been restored.   Clear editor

×   You cannot paste images directly. Upload or insert images from URL.

Sign in to follow this  

  • Similar Content

    • By Mothergoose24
      *Disclaimer: typing with my iPad, so I apologize for errors!
      Today while doing my daily pulls I noticed something Imtersting.
      A little back story first. I received a letter stating that Navient who I never heard of was buying my loans, but nothing else would change. I received that letter probably six months before the switch. Well, soon after the switch, I log on to my new navient account only to find that half of my loans are gone. I then get another letter a week later stating the Nelnet has purchased half of my loans. I was pretty mad considering Sallie Mae said nothing else would change, so did Navient. I didn't know anything of this until after it happened. So after being aggravated, I just decided to deal with it, set them all up for auto pay again, and forget about them.
      Well, today I login to find that during the switch my Navient loans were closed and new Nelnet loans were reporting, but the new Nelnet loans were reporting with my original loan date, so it added 10 months to my AAOA and also 10 months to my credit length history. Raised my score to the tune of 8 points on my EQ. so essentially it added four new accounts with old 2006-2008 dates
      The second odd thing was my capital one card that I got during college (my first cc) which only had a limit of $500 was bumped to $2000. I asked for a CLI last year and they said no, so I called and asked and they said they wouldn't give me one since I didn't use the car, I complanined saying that I have credit lines of well over 10k and i would never use it with that low of a limit, they still said no. I never login and even check that account, but just so happened to check and boom the AUTO CLI, which seemed odd to me. I may have to use it now a couple times to show them I still care 👍😀
      Anyone else have a similar experience with their Student Loans. I'm on the downside and hoping to pay them off this year, but thought that it was interesting how it took place on my CRs. Didn't think they would process like that. My old loans show (Transferred/Sold/Closed.)
    • By jch007
      Hi all - I'm sure this answer has been posted somewhere before, but I'm having a hard time getting a clear picture of what my options are. Which is why I'm coming to you here.
      I currently have two separate student loans from Iowa Student Loan. They're both, after many years of payments, almost paid off. Unfortunately six years ago (August of 2008) I made a mistake and was 60 days late on both of these loans. This is still affecting my score and affecting is significantly (roughly 70 points). I've written and called Iowa Student Loan asking them for a goodwill adjustment since I haven't had any negative items with them, or anyone since this hiccup. But they are refusing to remove it, stating that they, 'only report accurately.' every time that I've inquired.
      So my question is, do I have any other options? For something that happened so long ago, this is really hurting my score...
    • By mojokitty
      Hello all,
      This is my very first post on any forum anywhere! I just turned 30 on Monday and this is what I'm doing now, lurking and posting on credit forums. LOL! I have terrible credit. My EX reports 5 baddies and 0 positives. My FICO is in the high 520's. I am still yet to pull other CRA reports. I am very excited about embarking on this journey to fix my credit.
      I have a defaulted SL. Last year I had my tax return intercepted and now its time to face the music. I have a few questions before I arrange payment. The owed amount is around $2500 I don't have an exact amount yet because different places are reporting different numbers. I'm looking to build some positive TL on my report, what is my best course of action?
      1)Pay debt in full? Will that count as rehab or settled? Since it is with an CA will that effect what the Dept of Treas is reporting?
      2) Rehab the loan, and pay in full before the loan is sold? (To minimize fees)
      3) Rehab the loan and take my lumps (18.9% APR, 16% CF) then service the debt to increase positive reporting while using my extra money to build credit through other means?
      I make <20K a year so there is not much to go around as of now. I am in no rush to buy a house or car but definitely would love to do so in a year or 2 (or 3). Any responses would be appreciated.

  • Member Statistics

    • Total Members
    • Most Online

    Newest Member

About Us

Since 2003, creditboards.com has helped thousands of people repair their credit, force abusive collection agents to follow the law, ensure proper reporting by credit reporting agencies, and provided financial education to help avoid the pitfalls that can lead to negative tradelines.
  • Create New...

Important Information