When he called me my phone security said harassment and this number has been reported 3 times already. That scared me enough to look further into this company. My student loan provider said his company is not recognized by the department of education so he can not consolidate all my student loans nor give me debt forgiveness through some old Obama act. He also got into my fafsa by asking for my pin to "help me" set one up which he(victor Nguyen) should of never asked for! Plus he ran my credit because without permission!