cindy, you can use any letter you want. I personally used ONE letter and covered everything under the sun in it. Just tailored it to fit each individual pdl. I stated my state laws, the amount of the loan, the amount I paid, what they were owed legally by my state, I revoked their privilidge of debiting my bank account any further, I revoked any wage assignment I may have signed with them, I revoked their privilidge to contact me via telephone at all - only corresponde through email or USPS. If I overpaid, I demanded a refund. If I paid my state legal amount, I demanded a paid in full marked. If I stil owed towards the principle, I stated I would send that & that amount only & only if they gave me a physical address. So you can just use one BIG letter and cover all the bases. It's easier! I emailed/faxed/and mailed the letters to them all. Sometimes you'll get a respone through email pretty quick. But I like to cover my butt. I emailed/faxed/mailed everything.