I have been paying my XXXX XXXX XXXX now Navient ) student loan since XX/XX/XXXX and I have never had a late payment or missed payment, however my grandmother and co-signer passed away. Now XX/XX/XXXX, my loan has been transferred to XXXX XXXX and they are demanding that I pay my loan in full or they will foreclose on my co-signers estate. 
The student loan was for undergraduate studies at XXXX University in XXXX Virginia.