“Hello. I received a call from Justin earlier this week to discuss my outstanding student loan and he was able to help me consolidate my loans and apply for the income-based repayment as I work for a non-profit church.  He was very professional, helpful and patient with me.  He was also very knowledgeable about the process and helped me with the application, and I feel like he cared that I succeeded in applying for this help.  He is what I would describe as 100 percent customer service.  It was a pleasure talking with him even though we were discussing my delinquent debt.”