Hello:
Have you asked them to consiolidate your loans if there is more than one type?
jogoesq
You can expect them to eventually proceed with a lawsuit. In the meantime, you should put away as much money towards the debt as possible. Do not send it to them. When they sue you, you should have an attorney contact them to make up a payment plan. Unfortunately, you can frequently get better resolution during the pendency of a lawsuit than while the debt is in collection.
If you cannot afford an attorney, you can talk to their attirneys when the lawsuit is initiated. They will be more reasonable because they don't want the judgment, they want money. Whatever you do, do not ignore any summons and complaint. Also, do not pay them anything unless you get the agreement in writing before you pay them.
Hope this answers your question.
attorney
I have over 17 years experience in representing Claimants for Social Security disability and SSI.