South Carolina Student Loan

SCSL uses old technology, FICO Classic 98, most credit bureaus do not haven monitor this type of credit score. Very old method for determining credit worthiness. I was denied, my score was 66 points higher with a different student loan consolidation agency and I was offered a lower rate on the same terms. I would consider only doing business with a lender using more modern technology, you will most likely get a better rate have a better overall experience as a consumer. Wish I would have known before I applied! I consolidate 4 days after denied with SCSL with a different agency and save $350 a month! (check out SOFI first)
1 7 years ago (29-05-2018)

I can’t believe the negative comments and low rating for SCSL!! As a matter of fact, just today I spoke with an SCSL representative (Tom) and I told him that they are my favorite student loan company to work with because they are the easiest. Over the years I have had to request a few forbearance periods due to struggling to make student loan payments. SCSL has always listened to what I’ve had to say and never ever had made me feel bad for struggling and never had made me jump through hoops to get there. They are super personable and easy to reach. For all of those negative nancies with their panties in a twist, I suggest working with huge companies such as Wells Fargo student loans or AES, Chase, you name it. Those companies belittle you and your situation and have no heart at all. And, on top of that it takes forever to just get through to a representative. SCSL- you have my deepest thanks for making it easier to pay back student loans. Because let’s face it, paying back student loans is no cup of tea! But certainly, SCSL, you make it beyond bearable!!!
5 8 years ago (16-11-2017)

SCSLC JUST BASICALLY FIRED 40 EMPLOYEES. THEY HAVE NOT ONLY OUTSOURCED THE FEDERAL LOANS TO NELNET, BUT NOW OUR PRIVATE LOANS ARE BEING SENT OUT AS WELL. GOOD PEOPLE ARE NOW WITHOUT JOBS BECAUSE THESE BLOOD SUCKERS ARE HEARTLESS AND CHEAP JERKS. EITHER WAY BARB AND RAY JONES GAVE ME HORRIBLE CUSTOMER SERVICE. I WAS OFFERED A SETTLEMENT FOR MY LOANS BY ONE OF THEIR EMPLOYEES THEY SCREWED OVER, AND THEY REFUSE TO HONOR IT. BARB ACKNOWLEDGED THE AGREEMENT AND THEN RENEGED AFTER I CALLED HER AND TOLD HER I CAME UP WITH MOST OF THE MONEY. SHE THEN HAS RAY CALL ME BACK DAYS LATER TO WASTE MY TIME AND BASICALLY SAY SCREW YOU WE DO WHAT WE WANT. WE WON'T BE HONORING OUR WORD. I'M VERY FRUSTRATED THAT THIS HAS HAPPENED AND THEY REFUSE TO DO THE RIGHT THING. I AM TRYING TO FIGURE OUT A PLAN OF RECOURSE AND WILL PURSUE THIS TO WHERE THE SIDEWALK ENDS. IT'S BAD ENOUGH STUDENT LOANS ARE THE ROOT OF ALL EVIL. NOW THEY HAVE A NAME AND FACE. UGH. THEY WILL PROBABLY SAY THEY SENT CORRESPONDENCE IN REFERENCE TO MY LOANS PRIOR BUT THAT IS A LIE. NEVER RECEIVED DIDDLY!! THANKS FOR GETTING MY HOPES UP AND BEING A SCAMMER! I WAS TOLD I HAD UNTIL MY LOANS WERE OUTSOURCED TO TAKE ADVANTAGE OF THE SETTLEMENT, AND THEY WERE STILL THERE. SO STOP LYING. PULL YOUR CALLS!!
1 8 years ago (23-03-2017)

Helped make my education possible. IR varies but some are kinda on the high side
4 8 years ago (03-03-2017)

I would not recommend students take loans from SC SLC. They don't offer public service forgiveness programs, except for teachers AND the loans are not DIRECT SUB and UNSUB loans therefore not eligible for forgiveness under current programs. Borrow directly from the US Dept of Education.
1 9 years ago (06-06-2016)