what happens when the debt collector gets involved?
If your loan is placed with a collection agency, you will be responsible for costs incurred by your loan holder to get payment. These costs amount to 17.92% of your loan amount if your loan is held by ED. Other loan holders may charge a different amount.
I have more questions about student loans, what if I want deferment? Do you have any advice on this?
If that is the way you go consider paying the interest that accrues during that period, so that you can avoid some of the consequences.