I get frequent calls from people who are way over their heads with student loan debt. It used to be that anything over $50,000 got my attention. Boy was that the good, old days. Now, it is going to have to be six figures before I blink.
Anyway, a blog I read pointed me to a nice discussion of the student loan collection manual published by the U.S. Department of Education. If you are dealing with a private collector for a student loan, you will want to read this post.