Student loan trouble

I currently have 3 sallie mae private signature student loans that are past due and probably going into default, onne is cosigned with my mother. Sallie mae says my loans are ineligible for financial hardship and I no long her any forbearance time to use. I attempt to make the payments that I can make but its not enough. My goal was to make what payments I can until i get my taxes to pay off the complete past due amount. But Now i think on one of my loans they assigned it to a collections agency and tact on a 3k collection fee. Without that fee i know i can pay off the past due balance to bring my acct up to date with the extra charge I will still be behind depsite paying the previous pass due balance. Financial I am not able to make the high payments they want me to make. Is there a chance they will remove the extra 3k so that i can pay the past due amount and get my acct under control. Any help will be appreciated, I am doing all i can to work with them and hopefully get it under control but the extra 3k is not going to help.

Once you are assigned to collections and the collection fees are applied, you are in default. Once in default, there is no "past due balance"...the entire loan is accelerated and due in full. Once you default, you cannot bring it current and they will not remove the collection fees.

Does your mother know what is happening? This is affecting her credit too. Once it defaults they will start pursing her for the balance as well.

I think the 3 K which you are talking is the extra cost levied by them for the default.Because whenever any person defaults then it becomes tedious for the lender to recover the money thus it assigns the responsibility to collection agencies and thus they need to pay it to the collection agencies.I think you should have approached the bank before the default procedures.

She probably did talk to the lender....private loans come with very limited deferment/forebearance and once you use them they are gone.