How to Stop Collection Calls for Sallie Mae Student Loans

by Roberta Dunn
More affordable payments might be negotiated, if necessary.

Student loans can make the difference between getting a college education or not. Sallie Mae Corporation, a leading national lender, finances, services and collects student loans for more than 10 million borrowers in the United States. Unfortunately, some student borrowers experience difficulty in making timely payments on their loans. One missed payment puts you in delinquent status. Before long, you're considered in default and collection attempts begin. Several options exist for borrowers who want to stop collection calls for Sallie Mae student loans.

Contact Sallie Mae directly and arrange a payment schedule that fits your budget. A representative can help you alter your payment plan and reduce monthly payments. Alternatively, apply for deferment or forbearance. Deferment lets you temporarily postpone payments in case of economic hardship, unemployment, military deployment or enrollment in school. Forbearance allows you to reduce or suspend payments in certain circumstances. Go to Sallie Mae's website and select "Postpone Payments" to see if you qualify.

Consult the Department of Education. If Sallie Mae doesn't prove helpful, the federal government's Default Resolution Group can help you find a solution and make repaying student loan debt a simple process. They have committed to negotiating repayment plans for borrowers that are reasonable and affordable. If you are currently in default, ask about rehabilitating your loan. In some cases, they can get your loan out of default status, end wage garnishment and release your income tax refund from the IRS. Contact them at .

Send a letter to the collection agency and request they stop contacting you. Do not rely on a phone call; these requests must be in writing. Make a copy of the letter and retain it for your records. Send the letter by certified mail and get a receipt. Sample letters are available online at Student Loan Borrower Assistance.

File a complaint with the Department of Education. If a collection agency ignores your request for them to stop calling, report them. If they attempt to contact you through third parties, such as neighbors or co-workers, report them. Such tactics are illegal. Immediate family members and spouses, however, are not considered third parties. Complaint forms are available online at Federal Student Aid. Mail written complaints to: Chief of Contract Analysis and Compliance U.S. Department of Education 61 Forsyth Street, SW 19T89 Atlanta, GA 30303

Video of the Day

Brought to you by


About the Author

Roberta Dunn began her writing career in 1997. Her short films have screened at the Silver Lake Film Festival and L.A. Shorts Fest, and her short fiction has been recognized by "The Atlantic Monthly" and "Glimmer Train." The recipient of an Elizabeth George Foundation grant, Dunn holds a Master of Fine Arts in fiction from Warren Wilson College.

Photo Credits

  • Jupiterimages/Brand X Pictures/Getty Images
Cite this Article | A tool to create a citation to reference this article Cite this Article

Related pages

how to calculate the marginal productcan i get full coverage on a rebuilt titledoes getting a car insurance quote affect your creditmarquette scholarshipstopic 152 irsform 1040 schedule brollover ira tax deductiblequicken ofxunclehenrys maineroth ira matching contributionsform 1040a instructions 2012electric water heater vs natural gashow to compute for net incomepreferred stocks listhud 1 deductible itemscredit card with 15 digitslottery after tax calculator4.0 gpa scholarships for college studentsbecu debit cardbuying insulinair force letter of counseling rebuttal exampleshow much to fix chipped front toothhow to get last year's w2free irs ein numberpenny stock investing for beginnerseffects of stock market crash 1929form ssa-1099 social securitydepositing cash into atm bank of americaomnibus accounts definitionchurning definition insurancehow to get va loan certificate of eligibilityny dmv lien releasehow to write a disappointment lettersample letter to end tenancyequation for percentage differencewells fargo lost debit card calltexas homestead lawshow to find depreciation expensedoes homeowners insurance cover water damage leaking plumbingwww tlc com extreme couponingsephora return formwhat does etux mean on a deedfico calculatorsallie mae phonewhat happens if my account is overdrawntrust funds and inheritance taxwhat is the difference between a condo and an apartmentquit claim deed wisconsinga tenant lawsmontessori grantstrust fund nameshow to calculate the dividend growth ratetanf guidelinesare us treasury bonds tax freeinstructions 1040acalculate bond premiumintrinsic value spreadsheethow to file a mining claimeob insurance definitioncauses of dropping out of high schooldifference between prepayment and accrualaccounting cash budget examplegrifols prepaid cardhow do you know if your debit card is activatedhow long does an ach deposit takewells fargo debit card declined but money in accountindividual 401k loanhow to check premium bond numbershow to prepare to join the marineswhat is a reasonable apr for a credit cardhow to get the pell granthow much to bid on a hud homefor sale by owner georgiabeneficiary tax ratefree checkbook register printableexample w4 formwww.miocard.comstatute of limitations idaho