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My Student Loans are in Default now for almost 6.5 years, my last payment was in 2008 and they went into default and now The original loans which were from Nelnet/Wells Fargo sold to ECMC who has hired some collection agency they keeps calling me, I have no income, no job nothing and cant pay anything but theyre saying that they will sign me up for the William D Ford program and I wont have any payments, it goes off my tax returns and if i dont file tax returns all I have to do is sign a paper that says im not working every 12 months and will never have a payment, sounds too good to be true and these guys sound like a bunch of liars, not only that but they sent me out a package and it hasnt even goten here yet and theyve called everyday since monday and todays friday (still not here) 1. Does any of this sound right? 2. Are these loans Federal or Private? 3. And do they fall under SOL's? Thanks for your Help, Im really trying to figure this thing out, but these people are almost off my credit report and i dont want them restarting their 7 years again, im very worried about that, and not only that but ECMC has reaged the account and they started 7 years from when they got the account and not when i first defaulted so ECMC is trying to stay on my credit report 9 months longer than the original loans from nelnet, so they cant be that honest? Any help is greater appreciated!