I called to pay off my loan today, which has a 10.75% interest rate. I can get a line of credit with 0% for 15 months. Sallie Mae will not allow this cause they want to continue making money off me. There customer service is awful. They have also refused to change my last name after I got married despite receiving the appropriate paperwork and copy of my marriage license. My suggestion is to really compare and look at your options and keep in mind if you have to use Sallie Mae you will spend a lot of your time on the phone with customer service. I recommend staying away from Sallie Mae.