I understand.  It does seem like a lot of people have trouble.  I personally have been fortunate & have not had to deal with any shenanigans from Sallie Mae, but there's always a first time.  I would probably call to pay it off (when you're ready), if you are really worried it will not go smoothly.

Thanks for the help. According the person below your post, calling them is probably what I'm going to have to do