The Consumer Advocate at Sallie Mae and the Ombudsman at the U.S. DoE are exactly whom I contacted when Sallie Mae tried to pass over their clerical error of my loans going into IBR as a "120 day late" B.S. excuse. They both contacted me within a day of first contact and Sallie Mae's attempt at screwing me was shut down.
myFICO Starting Scores: TU 643 03.10.09 EX 676 01.09.09 EQ 638 05.24.09