Now, I have a new/continueing situation. My CA won't respond in writting to anything. They want to talk on the phone, but they keep sayng different things. On your advice I called both the DEpt of ED (they hold my loan) and the ombudsmans office. The ombudsmans office said I had to deal with the Dept of Ed in writting before they could help me . Fair enough I think. I called the Dept of Ed. I got some airhead representative. I had to explain what a settlement offer was, she wasn't clear how long a rehab would take. she said if the CA only wanted to talk on the phone, there was nothng the Dept of Ed could do about it. .She didn't know what an ombudsman was. She kept referring to the money owed as the CA's money. UGh. (I guess I'm venting.) The next week I got to go bury my Grandfather, and pick a nursing home for my grandmother.fun stuff. When I was gone the CA kept calling my house mate and yelling at her (????) Now, the question is, do I have a legal right to tell the CA to contact me only in writtng?I want some written words before I agree to anything. Also My student loans aren't beign reported to the credit Agencies. If I settle,do you think they'll be reported? Has anyone been able to deal with the Dept of ED instead of the CA? Thanks! I've just written the DEpt of ED, stating my problems, but I can't imagine that they'll get right back to me.