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My credit report reflects a charge off on my student loan, but I continue to receive calls from a collection agency; am I still responsible for paying on this loan?

My Sallie Mae student loan shows a charge off on the account on my credit report. I haven't made a payment since 2010. The loan is now with a collection agency that calls me, although they've never sent any notices by mail. Do I still need to pay on this loan? If yes, how can I verify the collection agency?

College Tuition, Debt
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April 2018


   You might be target of a scam. I would suggest calling the collect agency and ask them to send you information on your loan. Also, a google search could show if there is a scam out there from the agency.

Kimberly J. Howard, CFP

February 2018
February 2018