It is unclear what kind of help you are requesting. Sallie Mae collects on student loans and many of the collection policies are very agressive. You have to expect negative repercussions on your credit report when you are delinquent on repaying debt. A creditor isn't your Mom & won't be interested in any excuses!
When you signed the student loan paperwork, you agreed to certain payment terms. No creditor, not a car loan, a credit card, a private lender, or a student loan, is required to offer you better payment terms once you sign the the loan paperwork.
If the amount of the student loan is substantial, say over $20K, there are some techniques available that will let you adjust your payment amount.
Hope this perspective helps!
Collection agents are very nasty and aggressive because they are usually not attorneys. The only way they get money is if you pay. If you do not they have to send the file to an attorney and then they do not get a commission. Whatever you do with a colleciton agency, make sure they are authorized to collect the debt, get something in writing. Then whatever arrangements you make must include the total amount due, when the payments are due, where they are sent and how they are applied. Make sure they are not adding all sorts of fees etc that you do not owe. I am very wary with collection agents. Do not do anyting verbally, everything must be in writing.