I received a call several years back regarding my student loans. I was given an offer to consolidate my loans, which I happily accepted and have been paying since. A few years later, I began receiving default letters and collection calls. After much research, I find that they were only referring to 2 of my 7 loans in the consolidation, 5 still were being unpaid. I still have no idea why. The remaining loans have been transferred several times, each with the same result. They want to me to send in my husband's financial information, so they can dictate our payment amount.