Between XX/XX/XXXX and XX/XX/XXXX, I cosigned for my son a series of XXXX student loans through XXXX ( XXXX XXXX XXXX XXXX ). XXXX months after XXXX, he began the process of repayment. At some point in the following XXXX years, my son failed to make regular payments and the loans were subsequently turned over to a collection agency called Zwicker & Associates , P.C . 
When they reached out to me for the first time, I was stunned to find out my son and I were into this agency for roughly {$31000.00}. I explained to them that I as a cosigner, had never recieved a notice of delinquency from anyone, not XXXX, nor Zwicker. I asked them to produce notices of collection which they could not, instead steering me back to XXXX who when I called, refused to speak with me. 
My son since made an arrangement to pay them {$300.00} a month for XXXX years and that has now been increased to {$400.00} at 12 %. For a young man starting a career, that is a large sum at ridiculous interest which will take him years to pay off. He also has about {$80000.00} in additional student loans he 's paying down. What I would like to see is any type of collection notice sent to me as a cosigner. I would also like to see something done to eliminate the high rate of interest on these loans. I do n't dipute that the money is owed. What I am questioning is why I never recieved delinquncy notifications as a co-signer. In addition, this all went on my previously clean credit report as charge off 's.