I have just started the process of repairing my credit, it is mostly from loans and I am doing a good job with paying everything back. I was saving my largest loan till last and a few days ago I got a summons in the mail saying that i was being sued by national collegiate student loan trust 2006-3. I have never even made an attempt to make a payment with them or reached out to them in any way to let them know that I want to pay the loan back. Is it past the point of reaching out for help? I don't know where to turn and Im really hoping for some good advice to point me in the right direction.