One thing they doin thats hella shady is that loans can get bought and sold on the market and I had a circumstance where my loan got sold to another company and the new company tried to say I didnt pay off like 2 grand when i was workin full time n payin it off, had to get to copies of the checks from the bank n all that real fuckin mess
Loans that dont get paid off continue to get sold for pennies on the dollar, over and over. Thats why, if anyone has ever had outstanding debt, it almost seems cyclical. You will get bugged incessently for a period of time, then the bugging will stop. A few months, years later, the calls come back, because the previous collection company resold the loan, realizing they couldnt collect from you.
Student loans are worse than hospital bills, because student loans arent dischargeable in bankruptcy, so, unless you pay them off, you have them following you around until the day you die. Whereas other loans, the company may just write them off, if they decide its not worth it to summons you to court over.