They told me the same thing and were as rude as rude can be..."according to your income, you can pay off the balance with your next pay check" and I was like "what about all my other bills" and the girl on the phone said "too bad, you should have paid this before" and I asked to speak to her manager and she wouldn't put him on the line. I ended up telling her I wanted to only speak to her manager and was refusing to have any other communication with her and if they wanted my money she had best put the manager on the phone. I told him how rude she was and he was like, "oh, too bad". So, I worked out payment arrangements with them, and now they are calling again!! And, I'm paying the student loan!! These people are ruthless. I called the original debt owner and he basically said, "too bad, so sad, West Asset owns it now". I don't mind paying my bills, but the rudeness and uncooperation and attitude with these guys are unbelievable.