Every once in awhile, I have to wait until my next pay check in order to make my student loan payments ($600 a month is killing me!) There is one loan in particular, that if I don't pay it, they begin calling me the very next day. I ignore the calls until I make my payment, but you would think that there would be some sort of grace period where they allow you to make a payment. Even an extra 3 days would be nice. What do you guys think? Is there a certain amount of time that debt collectors should have to wait before hounding us?