I'm here sharing my default story as it unfolds in real time. As people on this platform has asked me too. Review my other post if need be. Since there are not many current info in 2025. So I haven't paid in about 62 days or so. I received a email today that stated "your loan(s) is severely past due and, if it defaults, may be in jeopardy of legal action. We’re currently evaluating your loan for legal action against you and/or any other applicable party on your loan. We’d prefer to avoid any potential legal action, so please call us immediately to set up acceptable payment arrangements and get your loan back to good standing".

Obviously this sounds like a scare tactic because if they wanted to pursue legal action they would just do it. They are not going to scare me into anything. I just deleted the message. They still call once daily from different numbers, but I just let it go to voicemail and block the number. I am still continuing to save what I would be paying them monthly in a separate account in case of a lawsuit or settlement. As things continue to happens I will update especially if there are any future settlements offers. Btw for reference I have about 80K of Sallie Mae loans no co signer.