Sallie Mae student acct turned over to collection agency, defaulted. Informed collection agency I was unemployed, please accept temporary $20 monthly payment or place in deferment to keep credit positive to help getting a job, and may consider school again. Was told no such plans, Sallie Mae does not allow it, will not get government assistance. Sallie Mae said they have no control over agency, up to them. The agency said 9 monthly payment of $90 will take my account out of default then returns to Sallie Mae, can then place in deferment. He accepts $20, will continue reporting negative due to not paying payments of $90. I should have done deferment sooner with Sallie Mae, my fault. Wrote, all agreed to small temporary payments except this collection agency. Please help, thank you.