Hi all, After months of reading these posts I'm going to post my story because I don't know what else to do... About 8 years ago I took 2 private student loans for college one for 10000 and another for 8000. I began paying my loan 6 months after graduation.Soon after, I could not make the payments so I asked the bank for a foreberance (sp). Long story short , the bank failed to inform me when when the payments were due so they sold my account to Centry Credit.After one year of making payments to them now they want the entire balance of 10000 and they will not budge! I try to contact the OC, and I sent about 10 GW letter to to OC with no answer!! I really do not know what to do. In my credit report I can only see the OC and they are only reporting that the account it's charged off. Any ideas will be greatly appreciated!!