I took out loan (FFEL)when I was in university and now I am still paying Guaranty Agency every month since 1991. Recently, I pulled credit report from all 3 CRAs and found 2 inquiries from the same collection agency (Conserv) which I didn't recall authorizing then I sent them letter asking them. They reply me that I owe them for Perkins Loan since I was in commnunity college. I thought the loan I am paying now to Guaranty Agency included this loan also. And Perkins Loan is about 10 years ago. No one contact me. No letter, No call from Collection Agency. Suddenly after I sent them letter about inqury they just surprise me that I owe them. I also called 1-800-4-FED-AID and they told me that it's default since 16-06-1991 with Commnunity College. What should I do now?