Student Loans and Debt Validation Letters

If you will be stuck with having to pay back student loan debt, you may have an out. Many times, these loans have been purchased, re-purchased, and generally passed around through various debt servicers. Someone along the way may have dropped the ball, i.e. the chain of ownership of the debt. Regardless, sending a debt validation letter will provide you more information about whom the original owner was, the amount claimed that you owe, who currently owns the debt, etc.

Here is a site that walks you through creating a debt validation letter for a fee:

https://www.solosuit.com/posts/make-debt-validation-letter-guide

They even provide a template if you don't want to pay:

https://dgkb7ybxr0cqd.cloudfront.net/Debt-Validation-Letter-template.pdf

What to do if the debt collector cannot validate your debt but is still demanding you pay:

https://consumer.ftc.gov/articles/debt-collection-faqs#report