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P. 6
XXXX X. XXXXXXX XXXX, XXXXXXXXX, XX XXXXX
(xxx) xxx-xxxx xxxxxxsmail.com

January 24, 2012

VIA FACSIMILE to 800-848-1949

Sallie Mae, Inc. P.O. Box 3800 Wilkes-Barre, PA 18773-3800

Re: Account # XXXXXXXXXX

Dear Sallie Mae: This letter will confirm the telephone conversation I had with your representative "Elsa" earlier this morning. Elsa made the following statements: The above loan was 131 days past due and that no payment had been made on this loan since August 2011 when three loans were transferred from Citibank to Sallie Mae Sallie Mae made multiple calls to telephone number xxx-xxx-xxxx in an attempt to notify me of this past due loan and that each time this number was called, there was no answer Sallie Mae records do not show whether or not Sallie Mae representatives ever left messages at this incorrect telephone number Sallie Mae had my correct cellular telephone number in their records, but did not once attempt to contact me on my cellular telephone to notify me of the delinquency on my student loans Sallie Mae reportedly sent several e-mails to me in order to notify me of my allegedly delinquent loans despite having no authorization to communicate with me over unsecured e-mail regarding my loans. Elsa stated that authorization for e-mail communications is checked "by default" on transferred loans Sallie Mae never sent one letter to my address to notify of either the balance due on the loans or the loan status Sallie Mae will immediately send me an itemized statement for this entire account since its inception in August , 2011 Sallie Mae will delete all late charges assessed to this account

Rage 2 of 2

In response to Elsa's statements, I made the following corrections: The telephone number that Sallie Mae was calling does not belong to me. Sallie Mae never took steps to verify the number that they were calling I do not agree with the "Terms of Service" on Sallie Mae' s web site that are a prerequisite to receiving communications from Sallie Mae via e-mail I have not received a single statement on this account from Sallie Mae since the account' s inception

Under 20 USCS 1080(d), the holder of a student loan must exercise due diligence in collecting loans in order to qualify for federal insurance. If the Secretary of the Department of Education determines that the lender has substantially failed to exercise due diligence, the Secretary "shall disqualify that lender for further Federal insurance on loans granted pursuant to this part until the Secretary is satisfied that its failure has ceased ...." Sallie Mae has failed to exercise any type of diligence in even notifying me of the existence of the amounts due under this loan so that I am able to make payments. In addition, the New York State Higher Education Services Corporation failed to exercise any diligence in investigating this matter and simply sent letters threatening me with default without responding to my requests to have Sallie Mae contact me. The only event that prompted NYSHESC to take action appears to be the copy of the letter I sent to Governor Cuomo regarding the matter. If this matter has been reported to credit agencies and adverse actions are taken against me in whole or in part because of this information, this matter may escalate further. I have copied both Governor Cuomo and the Department of Education on this matter to advise them of the lack of diligence displayed by both Sallie Mae and NYSHESC in managing these loans. Sincerely,

cc:

New York State Higher Education Services Corporation, Albany, NY 12255 The Honorable Andrew M. Cuomo, NYS State Capitol Building, Albany, NY 12224 US Department of Education Default Resolution, PO Box 5609, Greenville, TX 75403