I receive a collection request from XXXX XXXX for National Collegiate Student Loan for the amount of {$15000.00}. I got a loan back in XXXX with XXXX XXXX XXXX for school not with the National Collegiate Student Trust. I was paying them through American Education Services but they were called something else before that and I ca n't remember that name but it originated with XXXX XXXX XXXX, they changed names several times. I was able to get my Bank which is XXXX XXXX XXXX to pull my payment history for AES but we were n't able to pull payment history for the other name ( before AES ) because XXXX XXXX XXXX can only go back as far as XXXX ( I have attached these payments ). I have been paying on it since XXXX and the loan never moved. I have never been late on a payment, so technically the loan should be paid in full by now. I did n't stop paying on the loan until I filed for bankruptcy. The National Collegiate Student Loan never appeared for the bankruptcy hearing to dispute discharging the loan. Now all of sudden my credit is being hit and I 'm sent to the collection agency for full payment of the loan. I tried in the past working something out with them but they would n't work with me they said I did n't have any deferments. I had twins which lead to me having to file bankruptcy because I was doing it all by myself. I ca n't afford this loan and I feel like they have and are still trying to rip me off. After my bankruptcy the federal government student loan worked out an affordable plan with me and has also forgiven a large portion of my student loan and they have been very helpful. However, the private student loan that is n't federally backed is very difficult and is trying to make me pay a loan for the rest of my life that has technically already been paid off.