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I took a 5,000 loan in which my mom co-signed for college. I was told of the many repayment options and the deferment options as well. Well, at one point I took a break from school but then returned in which the deferment forms were filled out and sent to them. They have consistantly been harassing me with billa and letters and threats. At one point I resolved it by sending them proof of my schooling and grad date in which i was to be given the 6 month grace period. I was told that evertyhing was fine the deferment was in place but months later (NOW) My mother and I are being harassed by the collection agency for the payment in full. A rep has even told me that "I better use my income tax money to pay it off". How dare she? Can any send me in the right direction for help