I have had loans through SallieMae

I have had loans through SallieMae through out the years and they FREQUENTLY do not send a bill. I have called and complained several times through out the years because I am charged late fees even tho I never received the bill. They always claim that I am just purposely being delinquent but my payment record shows I make EVERY payment. They constantly request that I switch from paper billing to paperless billing to resolve the issue. They they request that I switch from paperless billing to paper billing to ensure I am receiving my bill. Now they are threatening to send my delinquency to a collections agency which will effect my credit score which is unfair. I seem to receive the late notice without issue but the bill seems to never show up. I pay the bill plus late fee immediately upon receiving the late notice but they still threaten to send my loan to debt collectors. They are very rude when I call and never seem to resolve the issue that I am not receiving my bill. They also ask that I set up automatic payments. This would fix the problem but due to my payment schedules at work and current finiancial situation I would not always have the proper amount in my bank account and that would cause me to over draft and have to pay fees at my bank and late fees on my loan. They need to correct the issue of not sending me the bill NOT me correct the error but setting up automatic withdrawals.