If you are running into serious difficulty with your student loans, then you may be better off to consult with a student loan lawyer. This expert can tell you exactly where you are at with this debt, the possible repercussions, and maybe what options you have.
It is not too often that the Federal government with take a student to court over their delinquent loans, but it is not unheard of either. They have many other resources to take, but if these attempts prove futile then there is a possibility of court action.
One of the most common collection approaches is for the Government to hire collections agencies. Who in turn will hound you for the money. What you may want to do is make sure that you know the criteria that these collections agencies have to adhere to when they are trying to collect money.
If you do have a pending law suit against you because of your student loans do not ignore it and make sure that you obtain legal advice. You may also want to look to see if you might qualify for a loan discharge. You can ask the courts to postpone the law suit while you check this option out.
There might be special circumstances surrounding your delinquent student loan that may be beneficial for you in court. For example, there may have been some issues with the school or other extenuating circumstances that the courts will take into account. These are some of the reasons why you should rely on professional legal advice.