My question involves collection proceedings in the State of: Virginia was the University and I reside in Florida. I have $45K+ student loans through Sallie Mae that I consolidated to 2 loans subsidized and unsubsidized at 7.375% interest rate. I am not able to pay the monthly payment due to debt, cost of living, job changes and moving multiple times. I have no forbearance or deferment available. I have submitted request to lower my payment that is 260 days past due and awaiting response. Are there any solutions available to me. I had 2 other private loans through my mother that defaulted over 3 years ago that my parents paid settlements through the loan issuer of over $15K. There have been multiple issues with my student loans since graduation in 2001. I deferred payment and found out after a year some loans were not deferred and fees/payments added up. Every time I tried to get issues resolved I was told resolved and then would start receiving multiple calls every day from collections. Then when I had time took the calls spoke to them and after 30-45 min. They would tell me it was taken care of and I was in deferment. This has been a nightmare since graduation over 10 years ago and always confusing. I am very hesitant to do anything but know I need to do something. Please help or point me in the right direction. Thank you!