conversation: User (Mikeandike): "My wife, over a year ago, thought she submitted three paystubs to qualify for deferment for a year. We currently work overseas, and never received an email or phone call about her loans that she hadn't ever actually done that. Incredibly stupid of us not to double check that everything was OK, but here we are. The first message we received (sent to her mother, which we have listed as our physical address in the US) was that her loans had been sent to a collections agency. Her loans are about 22k. Is there anything that we can do to properly get her loans deferred, or is it too late at this point and we just have to deal with a collections agency? "
  Self: "I don't have any experience in this area, but I saw a video on YouTube recently. It looks like you should be very careful about how you deal with a collections agency. I don't know who this guy is, but what he says is definitely worth looking into. \n\nhttps://youtu.be/ryTn81fJUko\n\nHope this helps!\n\n"
  