AES/PHEAA Student Loan Complaint

AES/PHEAA Student loan department,

Non-federal student loan Can't repay my loan Can't get flexible payment options Massachusetts

I received a loan from - - -, which was backed by - -. Both companies went bankrupt one year later. I did n't receive loan information for several years, as it was being mailed to my parents home, not my current residence. When I tried to discuss my options, the company that took over the loan, American Educational Services, said that they had already put the loan in default, so I could start paying down my debt but at any moment the loan could go into default. The default notice was sent in -. I spoke to them personally for the first time in -. They will not talk to me about my payment options until the loan goes into default, which is entirely unpredictable at this point. In the meantime, I continue to get hits on my credit report. I currently have a nonprofit career and likely would have had IBR if I had information about the loan from the beginning. The amount to pay to fix my credit is insurmountable, and I want to start law school and eventually gain bar admissions.