<prompt> Human: I lost my job about 7 months ago and put a stop pay on my student loan. I guess I forgot to call and ask for deferment or we its called like i did for my other loans. I dont think they ever called me and my mailing address is in another state. So I only got the letter NOW which is from april 9th that my loan is being accelerated and they sent it to collection.It says i have 30 days to respond to the letter. Does this mean i can reverse this process in the 30 days or its game over and its going to collection. If so what are my options here? i do not have the money to pay off the loan now and would also rather not pay the 2k in collection fees.Can i call my loaner and try to explain about the deferment that i should have been on? i have unemployment records to prove it.Thanks in advance.  <response>: Yes, absolutely call your servicer especially if you have unemployment records. 