If anyone is interested in an update, I have received several letters with settlement offers (65% was the lowest) and a few more phone calls. And a couple of "intent to sue" letters, too. So far, nothing. I have stopped responding to everything with them. I am waiting for them to actually do something and then I will dispute the debt.

Interestingly enough, on my credit reports, the loans did "change names" from Navient to Mohela and now back to Navient. Today, i found they changed account numbers, whatever that means. But the loans do show as charged off on my credit reports and my score has increased slightly and I have been able to get a "credit builder" credit card to help with my score.

I will update again in a few months if anyone is interested.

RemindMe! - 6 months

So I am currently strategically defaulting my Navient (formerly Sallie Mae Tuition Answer loans.) I stopped paying in May and am 120 days late right now. Phone calls just stopped. I highly suggest getting a Google Voice number and changing your contact info with Navient. You can put that on DFisot disturb and not get all the phone calls.

My credit score dropped by 100 points as soon as the delinquency was reported. Several of my credit cards actually reduced my available credit because of the late payment status. Others closed my accounts due to the same (they were also unused.) I have been unable to get new credit since.

If you want to know anything else, please let me know and I will do my best to respond.