I am tired of being harassed by the NJHESAA about student loans. They must develop a different method of contact other than send threatening letters to people. Times are very difficult for everyone at this time. Many people just don't have the money the pay back loans all at once or even in payments with high interest rates. It seems like the NJESAA created a program that will keep people paying on a debt for ever. It's a shame that anyone would have to pay so much just to get an education in the first place. And to add insult to injury, if you can't make the payments fast enough, they harass you. They send letters to the wrong address, and then claim that you received a notice even when they can't prove it. If you are married, they will attack your spouse's income tax, and do anything else possible to collect a so called "debt" which they gave to students, knowing it wouldn't be easy for them to repay back. The NJHESAA is nothing more than a modern day "loan shark" that gives out money then terrorizes each *Borrower" for the rest of their lives! I want the NJHESAA to stop the harassment tactics now!