Community services/non-profits, Granite State Management & Resources
Establishments of the Federal Government and federally-sponsored credit agencies primarily engaged in guaranteeing, insuring, or making loans. … See more
TERRIBLE TERRIBLE TERRIBLE!!!!!!!!!!! TRYING TO PAY OFF THE LOAN WITH A CREDIT LINE CHECK AND THEY WONT ACCEPT IT….THEY DECLINED IT BECAUSE IT WAS NOT ASSOCIATED WITH MY CHECKING/SAVINGS ACCOUNT. HOW STUPID CAN THIS PLACE BE NOT …
Very helpful staff. All you have to do is call if you have problems and cant make payment they have options to help you. They are friendly and knowledgeable.
🙁 If it were possible to assign a lower status, I Hapless organization with no answers other than ‘we need to research this’. An hour on the phone (most of it on hold) yielded little in the way of results. Many other options (SoFi, etc.). exist. 🙁
THESE SCUM BAGS ARE SCAM ARTISTS. MY INTEREST GOES UP DAILY BY RANDOM AMOUNTS. ONE DAY IT’S 6 CENTS NEXT IT’S 21. PLEASE DO REPORT THESE MONEY SUCKING BASTARDS TO THE BBB.
Even though I am still in school, they already are calling in payments. I didn’t pay because I’m STILL IN SCHOOL and I called them to explain that, but they reported it and made my credit score drop.
Absolutely horrendous experience. Waited forever everytime I called, “issues” with automatic payments, and a payment “sucessful,” can be false and they’ll let you know via mail.
So very helpful and kind customer service. They really try to work with you based on your situation and I’m very grateful for all the help I’ve received to assist me with making payments.
Never gave me any information on the status of my loan. I didn’t even know who this loan was from. Complete horrible company do not do any business with them. Apparently they do this a lot.
They are shady with payments and will not process the full amount within an appropriate amount of time on purpose so that you obtain more interest so that they can continue to keep you in debt. Shady and deceptive tactics.
I have dealt with Granite State Management & Resources for all my school loans and have had nothing but positive experiences. The staff is professional, friendly, helpful and very resourceful.
I have tens of thousands of dollars in fraudulent loans from GSM&R. I am currently trying to dispute these creditors (con artists) through Equifax and Transunion.
Your typical loan service but every time I have needed to call their customer assistance has been very nice and knowledgeable. I never stressed out with them.
They continued to charge me interest while processing my final pay off payment, leaving me with an 11 cent balance because they wouldn’t let me pay more than was due that day, but took 3 days to process the payment. Talk about screwing people for their last red cent.
“Capitalizing” student loan interest without warning is an intentional money grab and should be illegal. It’s intentionally designed to prevent students from even getting out from under these loans.
Never use this company for anything. Never use them youve been warned. Terrible customer service and terrible business on their end. They will report you late even when payments are paid on time because system is faulty. Will be filing a lawsuit against these theifs.
I’m so glad they transferred the loans over to another institution without even notifying anyone. They were always useless and worthless. Good riddance.
This is a terrible company do NOT work with them. They sent a letter they had no record of sending and asked me to take a photo and email it back to them and are still not standing by what they sent out. Every time you talk to someone you get a different answer and new problems. Clueless and horrible company. Stay away!!!
Absolutely ZERO integrity! They did not properly notify me of my loans, no calls, no letters, then they say im delinquent. How am I delinquent on loans I don’t even know about?!? These people are trash!
I have relied on Granite State for years to keep me on track with affordable payments on my massive student loan debt. Any confusion I experience on the website is always quickly cleared up by a phone call to their friendly, helpful staff.
I sent a very nice and respectful goodwill letter asking for partial forgiveness of a late payment and they said there was nothing they could do and gave me an unsolicited lecture (that I acknowledged) in my letter.
Complete scum bags. Loans for students to get an education and they raise your interest rate every month even if you pay on time. They don’t care about giving you money for school and education. They are a bank looking to make money and screw you on interest. Avoid this company. Awful customer service and complete thieves.
I have had a great experience with this loan service. They service my federal loans; I have never had a problem. Some of the negative reviews on here are nothing more than a gross incompetence of the borrower.
Horrific experience, this company improperly finances me, costing me my degree, sent a loan to collections without a reason, and now falsely reported late payments on my credit report costing me a mortgage even though theyre paid off! Finance anywhere else, this company is horrible, unfair, and completely careless.
This a fake student loan provider. I advise anybody to go talk to the school they have loans with to ask for the real loaner. Every person that gave a 5 star review works for this fraudulent company. Complete scam and I warned you
Gotta love waiting on the website to process an auto-payment days after I scheduled it only to have my credit score drop because of a “missed payment” on their infrastructure. Wish I could transfer my student loan to another site because this one is absolute garbage.
I have been trying for a full week to contact the customer service department. I have emailed two separate departments, and called two numbers. I have never heard back from the emails. And when I called the other day, the offices were …
This company is terrible. My son has a loan with them and the payments are not due yet because he is still in school full-time. We have sent in the necessary documentation for deferment. They confirmed they received the documents …
Refuse to send me original documentation. Refuse to email me documents. Had my financial advisor call with me on 07NOV yet they said request was only done on the 25th through email which is incorrect and have yet to mail out anything to me …
Granite State Management made paying off part of my loan so much easier! I now feel more in control of paying off my loans and I think these people loaned ME some more confidence. 😀 …
Scammers. For years they been having fraudulent info on my credit. Claiming I had an account with them. Never had an account. Failed to show written proof of me ever having an account with them. Or any payment agreements. And refused to take it off. Next step lawsuit.
DO NOT GET YOUR STUDENT LOAN FROM THIS COMPANY. What they do is take each individual term (or loan) that you took at school and they report it as a separate loan account, even though you only have 1 payment and 1 account. In other words, I …
The scummiest people on the planet. They will do everything in their power to scam you out of your money. The won’t even update their website to reflect the extended loan forbearance because they want you to pay them even though you aren’t required. They are a predatory company.
Had some issues when first rolled-in from Direct Loans and one other time with a fax gone missing, but GSM&R executives came through both times when I flagged the issue up the chain. Most importantly, they figured out how to make things …
If you have the opportunity to request a different federal loan servicer, I strongly urge you to do so. In my interactions with them, this company has acted unprofessionally, even predatorily, throughout the pandemic. Avoid as far as possible!
This company is a complete con I am still in school full time and they are demanding payments that are not due yet (they are threatening mine and my family’s credit ratings). I have a parent plus loan services with them to cover my …
The school added a loan I didn’t need for my first year of college now im 10,000 in debt but I keep getting locked out because my password always acts funny. so then I have to call and all that other stuff. most people I speak with are …
Stay far away from this organization. I made payments based on my statements in 2016 which I was told was the payoff amount. 4 years later – I get a call saying that I still owe, and that the amounts I paid in 2016 just extended my next …
If your an adult and make payments on time then this company is great. Speaking of being an adult, the company sent me an email saying I had an important message to read in Thier website. Turns out my payments were due even though I was …
I would never recommend anyone getting loans – specifically private loans, especially with this company. What an absolute rip off and scam. Interest rates higher than most consumer loans….sucking the life and money out of the working …
They sent me monthly statements which indicated my balance. Somehow when I log in online my balance has increased by $3,000. When I called they weren’t sure what had happened so I was put on hold so the rep could talk to her manager. When …
They do what you expect, give a loan, and you do what you’re supposed to: pay it. I had an issue where it billed a different date than my bank, and the woman there spent a half hour on the phone with me (very nice the whole time) explaining …
This is the worst company I have ever dealt with. They told me I qualified for deferment and sent me the necessary paperwork. I both mailed back the paperwork and as instructed by Bethany from their resource department I have emailed copies …
I have called this organization three times with no resolution. This company has miss-applied and lost payments. I am still in school and pay every month. Two months they did not credit my loan and with further investigation I saw that they …
GSM&R has been great. Their customer service reps have always been kind, patient, helpful and informative. They’ve always helped me find the lowest repayment plan possible. My experience with them has made student loan repayment much less stressful than before I consolidated with them.
Horrible experience, wish I could transfer my loan. Customer service constantly gives you the run around. Will confirm they have the needed documents, make you wait three weeks, and then on a weekend or holiday when they aren’t available, …
I have dealt with a lot of lenders in my day. When I was younger I fell into some predatory private student loans and used my credit unwisely. Granite State helped my refinance to regain control and has been hands down the best customer service I’ve ever had.
I’ve never have gotten a call back although I’ve left several messages. Not super helpful. When I did reach someone, I wanted to pay off my full student loan. Went a month thinking all was well until I decided to check my account just for …
Finally paid off my loans, but realized i overpaid. They never send me back the check for the overpaid amount. I had problems with this company for over 15 years. They apply your payments wrong and try to tack on more interest. I had to …
AVOID AT ALL COSTS – This company does not deserve to be in business. Awful people. You’d be better off not going to college than to take a loan from this filthy organization. THIS COMPANY WILL RUIN YOUR LIFE. They will do everything they …
When I called the customer resource number I spoke to Laura, she walked me through how to get my payment options up and had a very kind and pleasant spirit when offering information about how I can succeed in maying payments. I recommend …
This company makes zero effort to help a person pay off their loaners. I’ve called 3 times to ask them to please re-calculate (re-disclose) my new principle balance so I am paying less interest and every time I call they give me the …
What you can gather from reading some of the negative reviews on here, is that many people are poorly informed about their loans, federal and/private. Much of what is said in these reviews is simply false. Your rate can only be changed if …
I have no problem with this institution. That said, alot of the negative reviews seem to be of those that used this company to fund their education and were shocked when they’d discovered that their field of study could not afford them to …
Absolutely one of the worst companies for communication & processes. They do not alert you to loans being transferred. When they do its after you had to find out a question about your account & seemingly “can’t do anything about it because …
I went through some hard times graduating into the wake of financial collapse in 2008. I was scrubbing toilets at a hospital, stocking shelves at a grocery store, and working security at a methadone clinic while living with my parents and …
Granite State Management made a reporting error on my student loans. They transferred my student loans to another student loan company, which was fine. However, months after transferring my loans, they reported the same two loans they …
We just paid off my husband’s student loans. We have been working with Granite State for YEARS. They have phenomenal customer service and always was happy to take a few extra dollars to put on one loan vs the while thing, to snow ball the 5 …
Hey, I don’t love paying my student loans back, but GSM&R has serviced my undergraduate loans for decades now and they’ve ALWAYS been great to work with. Over the years, I have called their main number with very little understanding of what …
Thieves…
Sketchy with payments
Pretty trash tbh
No details needed. The one star speaks for itself.
Poor customer service came only after a very, very extended telephone hold!
Horrible company with horrible customer service. So disappointed I have to deal with them.
Continuously telling these people I’m still in school and the still keep billing me destroying my credit score.
I overpaid a student loan and they have refused to refund any money.
horrible company will ruin your credit…
Supposedly better than Sallie Mae, Navient, or any other big lender. Not true.
Avoid them at all costs they stall payments and pretend to not find your account
Typical loan service, customer service was nice. Worked with me on my account.
Always so helpful & their employees really take the time to explain things to me when i don’t fully under my student loans. 🙂 Thank you !
Customer experience is AWFUL. The way they speak to people is truly horrible, everyone here needs to be retrained.
TERRIBLE TERRIBLE TERRIBLE!!!!!!!!!!! TRYING TO PAY OFF THE LOAN WITH A CREDIT LINE CHECK AND THEY WONT ACCEPT IT….THEY DECLINED IT BECAUSE IT WAS NOT ASSOCIATED WITH MY CHECKING/SAVINGS ACCOUNT. HOW STUPID CAN THIS PLACE BE NOT …
Very helpful staff. All you have to do is call if you have problems and cant make payment they have options to help you. They are friendly and knowledgeable.
Consolidated through a associated company, GSMR has been great in servicing my account.
I applied for a loan they “claim” they gave it to me but I still have a balance for school and now my credit score has dropped 🤦🏾♀️🤷🏽♀️ …
🙁 If it were possible to assign a lower status, I Hapless organization with no answers other than ‘we need to research this’. An hour on the phone (most of it on hold) yielded little in the way of results. Many other options (SoFi, etc.). exist. 🙁
THESE SCUM BAGS ARE SCAM ARTISTS. MY INTEREST GOES UP DAILY BY RANDOM AMOUNTS. ONE DAY IT’S 6 CENTS NEXT IT’S 21. PLEASE DO REPORT THESE MONEY SUCKING BASTARDS TO THE BBB.
spoke with the most helpful customer service – jill – patient and proficient! got exactly what i needed taken care of in just a couple minutes.
Tracy was very helpful and walked me through everything I needed. She made my experience so much easier and and stress free!
They continued to charge me interest when interest was not supposed to be charged on the loan. They also increased the interest rate of a loan.
Even though I am still in school, they already are calling in payments. I didn’t pay because I’m STILL IN SCHOOL and I called them to explain that, but they reported it and made my credit score drop.
Absolutely horrendous experience. Waited forever everytime I called, “issues” with automatic payments, and a payment “sucessful,” can be false and they’ll let you know via mail.
So very helpful and kind customer service. They really try to work with you based on your situation and I’m very grateful for all the help I’ve received to assist me with making payments.
Never gave me any information on the status of my loan. I didn’t even know who this loan was from. Complete horrible company do not do any business with them. Apparently they do this a lot.
By far the worst loan company to deal with for student loans. If you have any other option, choose that one.
I don’t understand all the bad reviews. They’ve always been good to me. The income based repayments helped me through hard times.
They are shady with payments and will not process the full amount within an appropriate amount of time on purpose so that you obtain more interest so that they can continue to keep you in debt. Shady and deceptive tactics.
I have dealt with Granite State Management & Resources for all my school loans and have had nothing but positive experiences. The staff is professional, friendly, helpful and very resourceful.
I have tens of thousands of dollars in fraudulent loans from GSM&R. I am currently trying to dispute these creditors (con artists) through Equifax and Transunion.
Your typical loan service but every time I have needed to call their customer assistance has been very nice and knowledgeable. I never stressed out with them.
They continued to charge me interest while processing my final pay off payment, leaving me with an 11 cent balance because they wouldn’t let me pay more than was due that day, but took 3 days to process the payment. Talk about screwing people for their last red cent.
“Capitalizing” student loan interest without warning is an intentional money grab and should be illegal. It’s intentionally designed to prevent students from even getting out from under these loans.
Never use this company for anything. Never use them youve been warned. Terrible customer service and terrible business on their end. They will report you late even when payments are paid on time because system is faulty. Will be filing a lawsuit against these theifs.
I’m so glad they transferred the loans over to another institution without even notifying anyone. They were always useless and worthless. Good riddance.
This is a terrible company do NOT work with them. They sent a letter they had no record of sending and asked me to take a photo and email it back to them and are still not standing by what they sent out. Every time you talk to someone you get a different answer and new problems. Clueless and horrible company. Stay away!!!
Absolutely ZERO integrity! They did not properly notify me of my loans, no calls, no letters, then they say im delinquent. How am I delinquent on loans I don’t even know about?!? These people are trash!
I have relied on Granite State for years to keep me on track with affordable payments on my massive student loan debt. Any confusion I experience on the website is always quickly cleared up by a phone call to their friendly, helpful staff.
I sent a very nice and respectful goodwill letter asking for partial forgiveness of a late payment and they said there was nothing they could do and gave me an unsolicited lecture (that I acknowledged) in my letter.
Complete scum bags. Loans for students to get an education and they raise your interest rate every month even if you pay on time. They don’t care about giving you money for school and education. They are a bank looking to make money and screw you on interest. Avoid this company. Awful customer service and complete thieves.
I have had a great experience with this loan service. They service my federal loans; I have never had a problem. Some of the negative reviews on here are nothing more than a gross incompetence of the borrower.
Horrific experience, this company improperly finances me, costing me my degree, sent a loan to collections without a reason, and now falsely reported late payments on my credit report costing me a mortgage even though theyre paid off! Finance anywhere else, this company is horrible, unfair, and completely careless.
This a fake student loan provider. I advise anybody to go talk to the school they have loans with to ask for the real loaner. Every person that gave a 5 star review works for this fraudulent company. Complete scam and I warned you
Gotta love waiting on the website to process an auto-payment days after I scheduled it only to have my credit score drop because of a “missed payment” on their infrastructure. Wish I could transfer my student loan to another site because this one is absolute garbage.
I have been trying for a full week to contact the customer service department. I have emailed two separate departments, and called two numbers. I have never heard back from the emails. And when I called the other day, the offices were …
wish I could give less than 1 star. This company has humanity at all. I would highly advise against doing ANY business with them!!! TRULY TERRIBLE!!!
This company is terrible. My son has a loan with them and the payments are not due yet because he is still in school full-time. We have sent in the necessary documentation for deferment. They confirmed they received the documents …
Refuse to send me original documentation. Refuse to email me documents. Had my financial advisor call with me on 07NOV yet they said request was only done on the 25th through email which is incorrect and have yet to mail out anything to me …
Granite State Management made paying off part of my loan so much easier! I now feel more in control of paying off my loans and I think these people loaned ME some more confidence. 😀 …
Scammers. For years they been having fraudulent info on my credit. Claiming I had an account with them. Never had an account. Failed to show written proof of me ever having an account with them. Or any payment agreements. And refused to take it off. Next step lawsuit.
DO NOT GET YOUR STUDENT LOAN FROM THIS COMPANY. What they do is take each individual term (or loan) that you took at school and they report it as a separate loan account, even though you only have 1 payment and 1 account. In other words, I …
The scummiest people on the planet. They will do everything in their power to scam you out of your money. The won’t even update their website to reflect the extended loan forbearance because they want you to pay them even though you aren’t required. They are a predatory company.
Had some issues when first rolled-in from Direct Loans and one other time with a fax gone missing, but GSM&R executives came through both times when I flagged the issue up the chain. Most importantly, they figured out how to make things …
If you have the opportunity to request a different federal loan servicer, I strongly urge you to do so. In my interactions with them, this company has acted unprofessionally, even predatorily, throughout the pandemic. Avoid as far as possible!
This company is a complete con I am still in school full time and they are demanding payments that are not due yet (they are threatening mine and my family’s credit ratings). I have a parent plus loan services with them to cover my …
The school added a loan I didn’t need for my first year of college now im 10,000 in debt but I keep getting locked out because my password always acts funny. so then I have to call and all that other stuff. most people I speak with are …
Stay far away from this organization. I made payments based on my statements in 2016 which I was told was the payoff amount. 4 years later – I get a call saying that I still owe, and that the amounts I paid in 2016 just extended my next …
If your an adult and make payments on time then this company is great. Speaking of being an adult, the company sent me an email saying I had an important message to read in Thier website. Turns out my payments were due even though I was …
I would never recommend anyone getting loans – specifically private loans, especially with this company. What an absolute rip off and scam. Interest rates higher than most consumer loans….sucking the life and money out of the working …
They sent me monthly statements which indicated my balance. Somehow when I log in online my balance has increased by $3,000. When I called they weren’t sure what had happened so I was put on hold so the rep could talk to her manager. When …
They do what you expect, give a loan, and you do what you’re supposed to: pay it. I had an issue where it billed a different date than my bank, and the woman there spent a half hour on the phone with me (very nice the whole time) explaining …
This is the worst company I have ever dealt with. They told me I qualified for deferment and sent me the necessary paperwork. I both mailed back the paperwork and as instructed by Bethany from their resource department I have emailed copies …
I have called this organization three times with no resolution. This company has miss-applied and lost payments. I am still in school and pay every month. Two months they did not credit my loan and with further investigation I saw that they …
GSM&R has been great. Their customer service reps have always been kind, patient, helpful and informative. They’ve always helped me find the lowest repayment plan possible. My experience with them has made student loan repayment much less stressful than before I consolidated with them.
Horrible experience, wish I could transfer my loan. Customer service constantly gives you the run around. Will confirm they have the needed documents, make you wait three weeks, and then on a weekend or holiday when they aren’t available, …
I have dealt with a lot of lenders in my day. When I was younger I fell into some predatory private student loans and used my credit unwisely. Granite State helped my refinance to regain control and has been hands down the best customer service I’ve ever had.
I’ve never have gotten a call back although I’ve left several messages. Not super helpful. When I did reach someone, I wanted to pay off my full student loan. Went a month thinking all was well until I decided to check my account just for …
Finally paid off my loans, but realized i overpaid. They never send me back the check for the overpaid amount. I had problems with this company for over 15 years. They apply your payments wrong and try to tack on more interest. I had to …
AVOID AT ALL COSTS – This company does not deserve to be in business. Awful people. You’d be better off not going to college than to take a loan from this filthy organization. THIS COMPANY WILL RUIN YOUR LIFE. They will do everything they …
When I called the customer resource number I spoke to Laura, she walked me through how to get my payment options up and had a very kind and pleasant spirit when offering information about how I can succeed in maying payments. I recommend …
This company makes zero effort to help a person pay off their loaners. I’ve called 3 times to ask them to please re-calculate (re-disclose) my new principle balance so I am paying less interest and every time I call they give me the …
Does not have a direct email to keep WRITTEN correspondence, when contacted DENIES to communicate through WRITTEN correspondence. …
What you can gather from reading some of the negative reviews on here, is that many people are poorly informed about their loans, federal and/private. Much of what is said in these reviews is simply false. Your rate can only be changed if …
I have no problem with this institution. That said, alot of the negative reviews seem to be of those that used this company to fund their education and were shocked when they’d discovered that their field of study could not afford them to …
Absolutely one of the worst companies for communication & processes. They do not alert you to loans being transferred. When they do its after you had to find out a question about your account & seemingly “can’t do anything about it because …
I went through some hard times graduating into the wake of financial collapse in 2008. I was scrubbing toilets at a hospital, stocking shelves at a grocery store, and working security at a methadone clinic while living with my parents and …
Granite State Management made a reporting error on my student loans. They transferred my student loans to another student loan company, which was fine. However, months after transferring my loans, they reported the same two loans they …
We just paid off my husband’s student loans. We have been working with Granite State for YEARS. They have phenomenal customer service and always was happy to take a few extra dollars to put on one loan vs the while thing, to snow ball the 5 …
Hey, I don’t love paying my student loans back, but GSM&R has serviced my undergraduate loans for decades now and they’ve ALWAYS been great to work with. Over the years, I have called their main number with very little understanding of what …