ok..so heres the deal....my two brothers...father..and I, all have student loans....companies keep calling at 9.00..9.30..asking if we wanna consolidate....wtf?? why the fuck are you calling so fuckin late? we are all still in school...xcept for my dad..and he's paying those off ...Jesus! if youre gonna call, call once ive started paying them...dont fuckin bother me with that shit? do any of you if there are any federal regulations or laws so that they dont call after a certain time.....matter of fact im gonna google that right now....anything you guys might know would also help..thanks...