Its funny I don't mind being a phone counselor but I find that is predicable and easier when i was doing that then doing in my own life. I prefer to use the internet or email if at all possible to set up things or pay for things. I am still dreading trying to do my loan readjustment payment thing over the phone because I can't figure out how to do it online. I am afraid of messing it up worse than talking on the phone. I don't mind talking on the phone as long as I know the person. So I don't feel weird about pauses or my needs in the conversations.