Citibank has always provided good service in the past. However this year there have been many issues. Schools need hand calculation tables and worksheets. State taxes have to be modified to reflect the current actual tax rate per state. This is unrealistic and puts the student in debt for living cost while in attendance in school.
Graduate students carry large debts.
Income Contingent Repayment in FFEL would help assist in making the payments early in their career path. Today the student must make a toll call. For example, If you have this problem, this is where you call etc. Be able to call the right person the first time. Student handbook should have a table of contents and tabs would make it more user friendly.