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Deaf Reader Sends in Student Aid Center Transcript

An apparent deaf reader sent in the following TTY transcript of a sales pitch from Student Aid Center. It appears the group is charging the deaf consumer a total fee of about $14,000 ($199 x 3 plus $56 per month for 240 months) for a service the consumer could get for free directly from the Department of Education.

If that’s correct, that’s outrageous.

Here is what the reader sent in:

“I am hard of hearing and here is our conversation that I had with these scammers:

Operator: SPRINT IP 7120F DIALING 888-272-3995 please HOLD FOR THE NEXT available CUSTOMER SERVICE REP (M) (RECORDING) (MUSIC) (HOLDING . . . , (M) (EXPLAINING RELAY) THIS IS JAVONDI (NOW HE MUTED) (HOLDING . SKSK (PERSON HUNG UP) SR 7120F GA OR SK

You: redial

Operator: (REDIALING) PLEASE HOLD FOR THE NEXT AVAILABLE CUSTOMER SERVICE REP (M) (RECORDING) (M) GOOD AFTERNOOON THANK YOU FOR CALLING THE STUDENT AID CENTER TO WHOM DO I HAVE the PLEASURE OF SPEAKING TO Q GA

You: [ ] ga

Operator: OK AND IS THIS FIRST TIME MS ALFANO AT THE STUDENT AID CENTER FIRS TTIME
Operator: CALLING OUR

You:

Operator: COMPANY OK AND JUST IN CASE THE PHONE LINE GETS DISCONNECTED OR INTERRRUPTED WHAT IS A GOOD CALL BACK number Q GA

You: the good callback number is [ ] ga

Operator: [ ] Q GA

You: yes ga

Operator: OK AND MY NAME IS FRANKLIN AND I WILL BE YOUR STUDENT LOAN COUNSELOR FOR TODAY MY ID number IS 1058 GA

You: okay

Operator: AND JUST INC ASE THIS CALL IS BEING RECORDED FOR QUAILTY ASUSRANCE PURPOSES HOW CANI HELP YOU Q GA

You: Well, I am a single mom and i cannot believe how much my student loan debt is, I am literally freaking out on how to pay it. With this amount, I cant pay even till I die ha may sound pretty deep, but thats how I feel, I am looking for someone or something to help me reduce or get rid of my debt by me doing something to give back, etc think you can help me oin that? ga

Operator: OK NO PROBLEM I CAN DEEFINITELY ASSIST YOU WITH THAT AND I WANTED TO INFORM YOU ABOUT LOAN FORGIVE NESS AND HOW LOAN FORGIVENESS WORKS INA COUPLE OF DIFERNET WAYS IT CAME I T CAN INVOLVE UP FRONT FORGIVE NESS TO FORGIVENSS OVER (EXPLAINING RELAY) TIME NOW QUALIFYING DEPENDS ON A VARIENT VARIETY OF DIFFERENT FACTORS AND THOSE FACTORS INCLUDE INCOME JOB TYPE AND the TYPE OF LOANS THAT SHE MAY HAVE GA

You: Okay, I understand. ga

Operator: OK AND I like TO ASK YOU JUST TO BEGIN WITHTHE FOLLOWING QUESTION HOW MUCH DO YOU OWN XX OWE ON YOUR STUDENT LOANS Q GA
You: $121,000 + ga

Operator: $121,000 PLUS YOU SAY OK DO YOU HAPPEN TO KNOW THE INTEREST RATES ONTHE LOANS AND ARE THEY PRIVATE OR FEDERAL LOANS Q GA

You: I do know interest rates yes and they are are a mix of private and federal

Operator: OK NO PROBLEM NOW WE CAN LY ONXXX ONLY WORK WITH FEDERAL LOANS NOT PRIVATE LOANS OUR LOAN FORGIVENESS WORKS WITH FEDERAL LOANS

You:

Operator: ONLY GA

You: Anything can help! ga

Operator: OK ARE YOU CURRENTLY WORKING Q GA

You: Yes.

Operator: AND

You: Part time

Operator: IF YOU ARE
Operator: CURRENTLY WORKING WHAT IS YOUR OCCUPATION Q AND IF YOU CAN ASK HER

You: only,

Operator: IF SHES PAYING

You: once a

Operator: ANYTHING MONTHLY TOWARDS

You: week, I am

Operator: HER

You: a

Operator: STUDENT LOANS AT THIS
Operator: TIME

You: dining server at a retirement home. I pay $80 a month on just one of my loans. ga the rest

Operator:

You: of my loans

Operator: OK

You: are on

Operator: DO YOU HAPPEN TO KNOW

You: defferment or

Operator: THE STATUS

You: forbearnace

Operator: OF YOUR

You: ga

Operator: LOANS AND ARE YOU CURRENTLY MARRIED Q GA

You: No I am divorced. ga

Operator: AND UH BASED OFF OF YOUR LAST YEARS INCOME TAX REGURN RETURN what WAS YOUR ADJUSTED GROSS INCOME LAST YEAR Q (VOICES INBKGD) GA

You: Uhhh it was under 30k, in the 2012 tax return, it was filed at married with jointly or separately, im not sure but I beleive it was jointly…. ga

Operator: OK AND DID YOU CLAIM ANY DEPENDENTS OR WHAT IS YOUR FMAIL FAMILY SIZE AND what STATE DO YOU RESIDE IN Q GA

You: I live in the New York State. I have one daughter that I claim yes. ga Now it is only my daughter and I and will be filing separately . ga

Operator: OK ALL RIGHT NO PROBOEM IM JUST going TO INPUT THE INFORMAION IN THE SYSTAEM AND BASED ON what YOU TOLD ME SEE WHAT YOU QUAILFY FOR YO GA

You: I also get SSDI since I am disabled if that makes any differemce ga

Operator: UH WELL IT DOESNT COUNT AS ANY INCOME ONLY ANY UNEMPLOYMENT would COUNT AS ACTUAL INCOME SO THAT DOENST MAKE A DIFFERENT CE NOW BASED ON the INFORMATION YOU PROVIDED ME I CAN ACTUALLY GO AHEAD IM SORRY BEFORE I CAN CONTINUE THE LOANS WERE TAKEN before OR AFTER 2007 QQ GA

You: hmm once sec for one of my federal loans I got it: the disbursement date was 8/7/2007 ga

Operator: … OK OKAY NO PROBLEM SO ONE

You:

Operator: SECOND NOW

You: actually

Operator: BASED ON THE

You: theres two

Operator: INFORAMTION

You: of them ga

Operator: U

You:

Operator: PROVIDED TO ME IDO SEE HERE THAT YOU QUALIFY FOR THE PAY AS YOU EARN PROGRAM AND THE WAY THAT THAT WORKS IS THE FOLLOWING WAY OK THERE IS AN INITIAL PAYMENT OF $199.00 FOR the FIRST 3 MONTHS WHIDH COVERS PROCESSING AND ENROLLMENT AND the TRANSAITION FROM YOUR OLD LENDERS ONTO YOUR NEW LENDERS FOOLLOWED BY A NEW PAYMENT OF $56 FOR 240 MONTHS FOR RE PAYMENT TERM OF 240 MONTHS TOWARD YOUR NEW FEDERAL STUDENT LOAN GA

You: uhh okay i understand you do not do private loans. Do you also do the dept. of education loans? ga

Operator: YES THOSE ARE FEDERAL LONAS WE DO WORK WITH FEDERAL LOANS GA

You: I have 8 different loans. How would that $56 work? is that towards all 8 of those loans? ga

Operator: IT would BE TOWARD YOUR NEW FEDERAL STUDENT LOAN ITS A CONSOLIDATION OF YOUR FEDERAL LOANS AND THIS IS PART OF A GOVERNMENT INCENTIVIZED PROGRAM GA

You: $56 a month for 240 months that is equal to $13,440, correct?
Operator: UH ARE YOU TALKING ABOUT HE $56 A MONTH Q GA

You: Yes my federal loans equal to almost $51,000 . so ur saying if I pay the $199 for the first three months then the $56 for 240 months, the $51,000 loan i have will be paid off? ga

Operator: YES ITS A GOVT INCENTIVIZED PROGLRAM NOW THIS IS BASED ONTHE INFORMAITON YO HAVE PROVIDED ME NOW IT IS A GOVT INCENTIVIZED PROGRAM AND the TERMS IS 240 MONTHS WHICH IS ABOUT TWENTY YEARS GA

You: How can we start where we left off? I need to go to class in 10 mins.. ga

Operator: DO YOU NOW DO YOU RECALL A FOUR DIGIT PIN THAT WAS PROVIDED TO YOU WHEN YOU TOOK OUT YOUR STUDENT LOANS Q GA

You: uh yes the fafsa pin? ga

Operator: YES WHAT IS THAT PIN number Q GA

You: [ ] ga

Operator: OK AND what IS YOUR DOB QG A

You: [ ] ga

Operator: (KEYING) WHAT IS YOUR SSN Q GA
Operator: (KEYING) [ ] Q GA

You: yes. (interpreter pls erase that? thanks ) ga

Operator: XXX XXX OK NO PROBLEM NOW BEAR WITH ME WHILE I PULL UP YOUR CURRENT LOAN INFORMATION (ERASING)

You: Sure, not a problem as this may be more important then going to class lol (happy tone)

Operator: U HHUH

You:

Operator: OK NOW BASED ON THE UR CRRENT STUDENT LOAN INFO I SEE A TOTAL DIFFENRET LOAN OF 13 DIFFENRET LOANS VARYING FROM SUBSIDIZED TO UNSUBSIDIZED LAON AND the TOTAL AMOUNT OF YOUR STUDENT LAONS IS $48,978.00 AND THIS IS YOUR FEDERAL LOANS GA

You: Yes, I suppose the rest are private loans, I also have American Education Services, Is that a private loan? ga

Operator: I BELIEV SO IM NOT TOO SURE ON THAT INFO I would HAVE TO DOUBLE CHECK GA

You: ok. becaiuse thats the one im paying now monthly, ga

Operator: OK NOW I WENT AHEAD AND PROVIDED AND PUTIN THE CORRECT LOAN INFO AND I JUST WANTED TO DOUBLECCHECK IF THERES ANY DISCR EPANCY OR CHANGE ONTHE number S NOW THAT I HAVE the EXACT LOAN AMOUNT GA

You: ok. I also have “direct loan” im not sure if thats on there as well. ga

Operator: YES IT IS DIRECT SUBSIDIZED LOANS ARE FROM the FEDERAL GOVT FROM THE DEPT OF education GA NOW UM IS THE I WANTED TO ASK U IS the RETIREMENT HOME A PRIVATE ORGANZATION OR A NON FOR PROFIT THE RETIREMENT HOME THAT YOU WORK AT Q GA

You: Umm… I am totally not sure… its at [ ] located in [ ]. would u be able to fiund that out? I think it may be private but wouldnt depend on it ga

Operator: IS IT WITH THE COUNTY Q DOES THE RETIREMENT HOME WORK WITH THE COUNTY Q GA

You: umm…… i dont think so? ga

Operator: OK NO PROBLEM UM AND UM IM GOING TO GO AHEAD AND GO BASED OFF OF THIS YEAR MORE OR LESS YOUSAID YOU ARE ACTUALLY EARNING HOW MUCH IS IT APPROXIMATELY FOR THIS YEAR IT IS STILL THE $30 THOUSAND because YOU SAID YOURE WORKING ONCE A WEEKQ Q GA

You: nooo not one tholusand any,more. way less than that since im not divorcded… i only make about $200m a month gross ga

Operator: (IS THAT TWO HUNDRED A MONTH Q GA)

You: yes 200 a month. ga

Operator: (THANK YOU ) ABOUT TWO HUNDRED

You: $$44

Operator: DOLLARS A

You: a

Operator: MONTH

You: week.

Operator: GROSS SO

You: ga

Operator: ABOUT 2400 A YEAR Q GA

You: yep pretty much ga

Operator: OK NO PROBLEM SO IM GOING TO GO BASED ON WHAT YOURE EARNING NOW AND I ACTUALLY SEE A DIFFERNCE YOU DO QUALIFY FOR BASED PAYMENT REPAYMENT PLAN AND THE WAY IT WORKS …

You: no rush, lets talk about

Operator: IS

You: this

Operator: UM UHAVE AN

You:

Operator: INITAL PAYMENT OF

You: ga

Operator: $199 FOR THE FIRST THREE MONTHS WHICH

You:

Operator: COVERS

You:

Operator: PROCESSING AND ENROLLMENTS AND A TRANSITION FROM YOUR OLD LENDERS ONTO LENDERS FOLLOWED BY A FOURTH PAYMENT TOWARDS YOUR NEW FEDERAL STUDENT LOAN FOR AN AMOUNT OF ZEOR DOLLARS AND ZERO CENTS ZERO DOLLAR AND ZERO CENT PAYMENT COUNT AS ACTUAL PAYMENTS TOWARD YOUR FEDERAL STUDENT LOAN GA

You: hold pls and let me read

Operator: OK GA

You: so now instead of payting $56 its now $0 every month for 240 months?

Operator: ITS ACTUALLY FOR 300 MONTHS WHICH IS 25 YEARS THATS what I WANTED TO ADVISED YOU BECAUSE IM GOING BASED ON YOUR INCOME THAT YOURE EARNING NOW A MONTH GA

You: okay let me see if i understand this correctly…. so I will pay $199 for the first three months to let it transfer from old lender (sallie mae) to new lender` and then after the three monthd it is $0 for 300 months ga

Operator: THAT IS CORRECT AHD THE ZERO DOLLARS CONT AS XX XXX COUNT AS ACTUALL PAYMENTS ANDYOU NOW YOU WILL BE REASSESSED EVERY YEAR AND IT IS BASED ON YOUR INCOME GA

You: Whew that is a relief for me. And the payment being taken over is the government assistance program….? ga

Operator: IT IS A GOVT INCENTIVIZED PROGRAM GA

You: Oh wow okay how can we start this? ga

Operator: WE CAN GO AEHAD AND SET U UP ON AUTOMATI C PAYMETNS AND GET YOU STARTED TODAY WE CAN TAKE A PAYMENT OVER THE PHONE WITH A CHECK DEBIT OR VISA CARD SO WE CAN START WORKING ON YOUR STUDENT LOAN CONSOLICATION IMMEDIATELY GA

You: Sure I have a check acct. number to give u rather ga

Operator: OK NO PROBLEM NOW BEAR WITH ME ONE MOMENT WHILE I INPUT THE INFORMATION INTO OUR SYSTEM GA

You: Sure not a problem. Now how can I really know if this is not a scam or a cult? ga

Operator: YOU CAN ACCESS OUR WEBSITE FOR MORE INFOMATION AND OUR WEBSITE IS STUDENTAIDCENTER.ORG WE ARE A LEGITIMATE COMPANY WORKING IN THE STATE OF FLORIDA YOUCAN ALSO VISIT FLORIDA BASED GOVT WEBSITE AND SEARCHOUR COMPANY H WERE WE ARE LISTED AS AN ACTIVE LICENSED business IN THE STATE OF FLORIDA AND that WEBSITE IS

You:

Operator: SUNBIZ.ORG S U N B I Z (DOT) ORG (KEYING) GA AN D SHE SAID EARLIER THAT HER PHONE number IS [ ] CORRECT Q GA

You: yes. but i prefer email since I am hard of hearing. Email is [ ] ga

Operator: OK NO PROBLEM I CAN SEND YOU ONCE WE SEND THE SET UP THE PAYMENT WITH YOUR BANK I CAN SEND YOU A SIX PAGE STUDENT LOAN CONSOLIDATION APPLICATION WITH FURTHER DETAILS ABOUT YOUR LOAN CONSOLIDATION GA

You: Okay sure ga

Operator: OK SO YOU SAID YOUWANTED OT MAKE A PAYMENT WITH YOU RBANK INFO AND what IS THE NAME OF YORU BANK AND what IS THEANME OF the XX AND what IS YOUR ROUTING number AND I would ALSO NEED YOUR ADDRESS Q GA

You: address is [ ] name of bank is bank of america. routing number is [ ] ga

Operator: BANK OF AMERCA [ ] THATS WHAT SHE PUT CORRECT Q GA AND THE ADDRESS IS [ ] IS THAT CORRECT Q GA

You: [ ] yes ga

Operator: OK AND WHAT IS YOUR BANK ACCOUNT INFORAMTION Q GA

You: [ ] ga

Operator: [ ] AND DOYOU HAPPEN T HAVE A MIDDLE INTIAL AND DO YOU DRIVE DO U HAVE A DIRVERS LICENSE AND IF SO WHAT IS YOUR DRIVERS LICENSE number OS EW XX SO WE CAN FORAWRD THIS INFORTMATION TO the DEPT OF education Q GA

You: crap. i do not have that with me ga

Operator: U DO NOT HAVE YOUR DRIVERS LISE number THAT IS OK NO PROBLEM SO DO YOU HAVE AN

You:

Operator: ID number OR STATE ISSUED ID Q GA

You: I have a license yes. but its in the car, i am in class ga let me see if i can find it online ha

Operator: NO PROBLEM JUST AS SOON AS YOU OBTAIN THA TINFROMATION JJST FOWRARD THAT TO US SO WE CAN FORAWRD THAT TO US XX THE DEPT OF education WHAT I CAN GO AHEAD AND DO NOW IS IM GOING TO FOWARD THIS TO MY MANAGER GA AND I M GOIG TO EMAIL YOU THE APPLICATION SO YOU HAVE ACCESS GA TO THE SIX PAGE APPLICATION I ALSO would NEED AN ALTERNATE PHONE number FOR YOU AND IF YOU HAVE A MIDDLE INITIAL WHAT IS YOUR MIDDLE INITAL Q GA

You: i found it it is [ ] ga my

Operator:

You: alternate phone

Operator: [ ] Q GA

You: # is [ ] (pls leave msg for that phone) my middle initail is G ga yesd ga

Operator: AND WHAT IS THE NAME OF YOUR EMPLOYER THE EXACT NAME OF YOUR EMPLOYER Q GA

You: [ ] ga

Operator: [ ] OK BEAR WITH ME A COUPLE OF SECONDS WHILE I FORWARD THIS INFO TO MY MANMGER SO THEY CANEMAIL

You: n/p

Operator: YOU A COPY OF the

You: ga

Operator: APPLICATION AND I WILL SETAY ONT EH LINE FOR XX STAY ON THE LINE WITH YOU SO FI YOU HAVE ANY QUSTIONS ABOUT the APPLCIATION I CAN SWER XX ANSWER THOSE QAUESTIONAND SHE SAID IT WAS [ ] CORRECT IST HAT what SHE SAID IDINDT CATCH THAT [ ] Q GA

You: (repeat )

Operator: OK NO PROBLEM JUST BEAR WITH ME ONE SECOND IM GOING TO PLACE YOU ON HOLD AND IM GOING TO FORWARD THIS TO MY SUPERVISOR OK Q GA

You: ok ga

Operator: (HOLDING . . . OK I LL BE RIGHT BACK GA

You: np ga

Operator: OK THANK YOU (HOLDING . . . ,. . . ,. . . , STILL HOLDING) OK THANK YOU FOR HOLDING MS ALFANO I have EMAILED YOU THE APPLICAITON AND JUST GO AHEAD AND OPEN IT SO IF YOU HAVE ANY QUESTIONS I AM HERE TO ASSISTY OU JUST TO REFRESH YOUR INBOX AND IT should BE IN THERE GA

You: ok, it says damien? I thought ur name was franklin? ga

Operator: THAT IS MY MANAGER G A SO ALL YOU would HAVE TO DO IS INITAIL EACH PAGE AND GO OVER EACH PAGE OF THE APPLICATION GA

You: okay. one sec phone number is [ ] fyi

Operator: OK NP I have MADE THE CHANGE I APOLOGIZE FOR THAT GA

You: okay on page 4 …. okay page 5…..

Operator: OK THAT IS A LIMITED DURABLE POWER OF ATTORNEY NO NEED TO BE ALARMED IT IS ONLY TO REPRESENT YOU FOR YOUR STUDENT LOANS GA

You: okay i have a question, the employees and its affliates are being supported by the government correct? is this from Obama? ga

Operator: WE ARE A PRIVATE ORGANIZATION AND WE WORK WITH FEDEARL STUDENT LOANS WE HELP CONSOLIDATE FEDERAL STUDENT LOANS WE ARE NOT DIRECTLY RELATED TO THE DEPT OF education BUT DO WORK WITH GOVT INCENTIVIZED PROGRAMS SUCH AS THE OBAMA FORGIVENESS ACT GA

You: okay im on page 6 now

Operator: OJ XX OK THANK YOU ANS PAGE SIX IS BASICALLY THE PAYEMNT AUTHORIZTAION FORM INDICATING THE FIRST THREE XXX PAYMENTS OVER THREE MONTHS WHICH COVERS THE STUDENT LOAN CONSOLIDATION GA

You: Done ha ga *

Operator: OK SO JUST GO AHEAD AND INITAIL ALL PAGES OF THE APPLICATION IT should PROMPT YOU FOR TWO DIFFERNET INITALS FOR EACH PAGE ONCE YOU DO THAT LET ME KNOW AND IT WILL BE AUTOMATICALLY SENT BACK TO US GA

You: I beleive i have done that already ga

Operator: OK PERFECT THANK YO UVERY MUCH ANOTHER THING I would ASK YOU IS TO GO TO OUR WEBSITE WHICH IS STUDENTAIDCENTER.ORG / WORKSHEET S S . PHP

You: huh?

Operator: STUDENTAIDCENTER.ORG/WORKSHEETS.PHP GA

You: oh ok

Operator: AND ONCE YOU OPEN UP THE WORKSHEETS please FILL IT OUT YOU CAN EITHER EMAIL IT BACK FAX IT OR SEND IT BACK TO US VIA US MAIL AND ONCE YOU DO THAT WE WILL FORWARD THE INFORAMTIONM TO THE DEPT OF education GA

You: the link is not working….

Operator:

You: www.studentaidcenter.org/worksheets.php ? ga
Operator: WWW.STUDENTAIDCENTER.ORG/WORKSHEET.PHP (SINGULAR NOT PLURAL ON WORKSHEET NO “S” AT THE END IM SORRY) GA

You: Okay got the link

Operator: OK

You: okay I

Operator: PERFECT AND

You: will print

Operator: JUST GO AEHAD

You: it

Operator: AAND

You: and then scan it and

Operator: SEND THAT BACK TO US AND ONCE WE

You: email it to

Operator: RECEIVE IT LIKE

You: you

Operator: IS

You: by

Operator: I SAID I XXX WE

You: tonight

Operator: WILL SEND IT TO

You: hopefully

Operator: THE DEPT OF education AND IFYOU HAVE

You: ga

Operator: ANY QUETIONS IWILL GIVE US A CALL BACK AND WE WILL MAKE SURE WE START WORKING ON YOUR STUDENT LOAN CONSOLIDATION LAON IMMEDIATELY OK NO PROBLEM GA

You: or i can just fill it out and send it if possible g

Operator: THAT IS CORRECT GA

You: a Okay and can i have ur direct contact? ga

Operator: SURE 855 997 8833 EXT 1058 GA

You: okay and ur name is franklin? ga

Operator: CORRECT THAT IS CORRECT SO BESIDES THAT IS THERE ANYTHINGE ELSE that I CAN ASSIST YOU WITH TODAY Q GA

You: That is all thank you very much… IU can probably get this done by tonight since i just can click “submit” ga

Operator: NO PROBLEM THANK YOU SO MUCH I HOPE YOU HAVE A GREAT REST OF YOUR DAY GA

You: than you… you too bye bye ga to sk

Operator: BYE BYE NOW HAVE A GRAET DAY GA OR SK

You: you to by ebye

Operator: SKSK (PERSON HUNG UP) SR 7120F GA OR SK

Deaf Reader Sends in Student Aid Center Transcript
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Steve Rhode
Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.
  • itwasworthit

    I attempted to get help from my servicer for years. Never once
    as I trying to explain that I could not afford the $500 payment because was single mom of 3 did anyone of them offer me this program or any other. It went as far as me going into default and having my tax returns taken for years. Last year I found myself desperate and feeling hopeless, like this nightmare would never end.
    Luckily I took a change and called a company similar to this, they also changed me about $200 for the first three months. They helped me get out of default and into an income base program. For me it was worth every penny to work with someone that cared and made sure I was taking advantage of every opportunity available. You pay for
    what you get. Just because you can do your own taxes doesn’t mean an accountant
    can’t do a better job. My advise is do your research before picking a company
    to help.

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