<p>I think anytime you are dealing with a high number of loans, you will find good and bad experiences. It’s a lot harder though to miss payments with auto-debit…some students might not like that, but floating checks and hoping it gets credited to your account, is taking chances.Also it’s easier to keep track of interest, etc. online. My family has used S.Mae without any problems (so far) but will look into others for future as other children go to college.</p>