Please do your research before despairing, screaming, and especially before signing anything or saying anything to collection agencies. (Yikes). In the latter situation, the rule is, Say Nothing (but take detailed notes), until you talk to a professional. What you say to a debt collector CAN be held against you. Look for trustworthy sources of student debt information and even then, double and triple check on the accuracy of the advice given.
Remember what Winston Churchill said about trusting and verifying.
1) Student Borrower Protection Center (SBPC): “The Student Borrower Protection Center is a nonprofit organization solely focused on alleviating the burden of student debt for millions of Americans. The SBPC engages in advocacy, policymaking, and litigation strategy to rein in industry abuses, protect borrowers’ rights, and advance economic opportunity for the next generation of students.”