I have private loans with Navient and Firstmark. I owe Navient about 12k. This includes three small loans for about 2k a piece and one loan for about 6k. My Firstmark loan is about 12k. I defaulted a little over a year ago on both. I defaulted because I saw no end in sight. I had faithfully paid for 8 years and had paid more than I borrowed, but owed more than I borrowed. I saw the Navient forgiveness and realized I would have qualified if I had defaulted sooner. I had an 800 credit score and could not go on the mortgage with my husband because of my debt to income ratio. So I decided to default. I have cut off all communication with both companies. I received letters from Weltman, Weinberg & Reis Co., LPA concerning my Navient loans. I responded with a letter requesting that they prove they were entitled to collect on the debt about a month ago and I have not heard anything. I am hoping to settle because the SOL in my state is 7 years, and I can not last that long. I’m hoping due to the small amounts owed compared to others they won’t actually sue. Does anyone have any advice on what to do next?