Debt collectors have a job to do. Unfortunately, their job descriptions usually seem to require them to harass you until you hand over the money they demand. To get you to do this, they are trained to use a variety of tactics that can scare you into thinking that you have no other options. You are in default and have to pay the debt in full now!
This is incorrect when it comes to federal student loans. College graduates with these loans have the right to get out of default through the rehabilitation or consolidation of the loan. If you ask to get out of default to relieve student loan burdens and stop intimidating phone calls from bill collectors, they have to work with you. Find out more here!