The Unknown
Things started out OK with Achieve Loans, but then they sold the servicing to Shellpoint. Not sure, but it seems like they are a company inside of a company. Anyway, since then, I have trouble accessing my loan online. I called for help and learned that I needed to provide a copy of my driver's license and a photo of myself. I sent those over unsecure methods (very scary). Finally, I could log in. It worked 2 times and then I receive a letter saying they were changing the way the loan interest is calculated. Now, instead of monthly, it's calculated daily, meaning I am paying even more interest. They try to make it sound like no changes are made to the loan, but do the math... they will be collecting more interest from me, boom, just like that. Be aware of try to avoid a loan with them, unless you are ready for poor service and more interest owed to them. Oh, and then, when I tried to get online and pay my loan early, I was back to the same issue where my loan information somehow cannot be accessed. So how am I supposed to pay my loan on time when I can't even access my loan. Lastly, when I check the box to make it easier to log in for 30 days, it doesn't work either; I still have to jump through all the hoops.