These scumbags garnished me for almost 2 years and refused to be civil. They harassed me and harassed me. When I tried to negociate they ignored it. They went right to garnishment. They learn your employers name and garnish without any real paperwork or proof of where the money is going. My original lender (I think) was sallie mae or at least handled by Sallie Mae, their owners. Well I was told by a source that worked for a parent company of the school I went ("AI") how to move my loans from Sallie Mae to Income Based. When i did that Pioneer Credit still didn't want to let the loans go even though they were being transfered (essentially credited 100%). These guys are scumbags. I was bounced supervisor to supervisor once. When I finally got to someone I thought was important I told her the deal and she was rude. I told her it was people like her and her company that make others suicidal. And I hope she remembers that when she hugs her kids at night.

If you are having issues with these scumbags and your FEDERAL loans are still owned by Sallie Mae, you need to get into IBR. If you need help, I was told to talk to Stephanie Cooper at the Department of Education's Ombudsman's office. She helped me finally fight with them and get the loans OUT of their hands.

My loans are now in forbearance, they're getting bigger but at least now they're not garnishing me and I can live. I plan to dispute these loans as long as I can because the schools are fighting the government due to the fact they were NOT certified to recieve them (the schools lied about placement and other credentials)

Here is how to reach Stephanie Cooper's office at the US Department of Education Ombudsman Office: 1-877-557-2575

You aren't alone.

I have outstanding students. My Sallie may says I own zero balance. My USA loans have a balance of $3392.66. I have received calls from Pioneer Credit # 1-877-907-1804. They have threatened my income tax, and tried to get my unemployment bank card number to take auto with drawls out of my unemployment checks. With all the scams out there how am I to know who is the holder of my student loans. [email protected]

I am struggling with PCR as I type my complaint. First of all this is a 20 yr old debt. The first loan was for 2, 300 for the first semester of my college year in 1991. I went to school part time at night while I continued to work full time. My total loans added up to around $9, 000 for a total of four years (1991-1995). I never finished schooling because the program folded and I could not afford to quit my job and enroll full time at a different University. I was a single parent who needed to keep her job. I made payments to the Dept of Education for quite a while and then I just could not afford to pay any more out of my paycheck at that time. My loan was turned over to PCR and they contacted me and said I owed over $30, 000 on a $9, 000 loan. How much interest is that and at what percentage rate? They threatened garnishments and did, withholding my Tax returns and did. I began making payments to them and I was told after nine months I would be set up on a new program and my credit status would come out of default and my tax returns would not be intercepted. I have yet to see any paperwork or get a phone call from these people. I know they are scamming people and I have paid back way more than $9, 000 and they still want more. I thought education loans were to be forgiven after 20 years. I have paid my share of this loan back. PCR is not a reputable company. they are very dishonest.