I cosigned a loan for a nephew which he defaulted on. I agreed to pay XXXX XXXX $ XXXX and have paid between $ 48- {$100.00} per month since XXXX 2010. When they switched their name to Navient they were no longer honoring our agreement and kept calling me daily to try to get me to bring the loan up to date for {$390.00} that I did n't have. They kept threatening to send my loan to a collector. I continued to pay monthly and send extra whenever I could. Last month my father was very ill and died on XXXX XXXX - I forgot to send them the XXXX} but on XXXX XXXX when I remembered I sent them {$100.00}. On XXXX XXXX I received a letter from a debt collector which was dated XXXX XXXX. The original agreement I had with XXXX XXXX was that I would send payment on the XXXX of the month, therefore my payment was n't even a month late. They did not send me a notice. Can they do this to me? I have been paying since 2010 consistently and did not give them any reason to think that I was not going to finish paying for my nephew 's loan. Also, my nephew had another loan that I did not cosign and he told me that he sent various payments and asked XXXX XXXX to apply it to the loan where I had cosigned. They also on several occasions applied some of my payments to the wrong loan. I asked them to send me a full accounting but they refused to send me any information on any payments my nephew made. Do I have the right to audit the XXXX accounts and should n't there be some protection for cosigners so that if the original borrower does make payments that it should go towards the loan that has a cosigner on it before going to the loan that is only under the original borrower 's loan? Please help me, this is n't even my own child and these people have been incredible rude to me. Calling me every single day when I was paying what they agreed I would pay every single month for the last 5 years.