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 regarding Sallie Mae private student loans.

Here is my update #4. I have just reached 90 days of non payment with Sallie Mae private loans. I got an email stating “The legal evaluation on your loan(s) was completed. We intend to file a lawsuit against you and/or any other applicable party on your loan if you’re unable to set up acceptable payment arrangements with us before your loan defaults. Take this opportunity to prevent legal action before your loan defaults”.

I believe that this is an automated email that is generated. I also do believe it’s a scare tactic as well, however I am not afraid. I am still getting calls everyday about once daily. I recently got a voicemail from a live “manager” from Sallie Mae saying “you have one last day to contact me to offer you help etc” I am not answering any phone calls from Sallie Mae. I’ve gone cold turkey with them since my last payment in April. I just block the number and let it go to voicemail. Haven’t gotten any letters recently either. I’ll update again when I get more information as they come. Feel free to leave any questions below. This is my default journey that I’m documenting to help others in the same situation as I am. Again, I have about 80K which is increasing due to non payment. I have no co signer. No assets, my car is not in my name, I also live with my parents.