<prompt> Human: First time posting, may not get traction at all, but I want to approach this situation in the best way possible. My wife graduated college in 2014, and took Perkins loans while she was in school. We received the payment book things from ACS in the mail after graduation, and put them in our file cabinet. Long story short, we moved and misplaced the books, I fucked up and forgot to call and that turned into us being 2-3 months late on our first Perkins loan payments. Anyone familiar knows that Perkins loans are paid quarterly, so we basically missed the first quarters payment. Then a debt collector began calling 3x per day. I scoured our file cabinet trying to figure out what we were getting collection calls for since I wanted to have my information straight before I called them back. I discovered the payment books in a box that we never finished unpacking... yes, our fault and our own stupidity, what have you. We sent two quarters payments in for each of us the next day. But I kept getting calls for the next two weeks. I called them back and explained what had happened and that wed sent out money in. Seemed like the end of the story since the calls stopped. Then, my wife tried to take classes at a local community college where we live and needed to request her transcript. She calls our alma mater and discovers she has a hold on her account, despite having graduated two years ago. Come to find out, the loans have been put into default, and the principle is now 200 bigger than the original principle was. Despsite sending checks that records show were cashed. Someone got the money... We call our school and the accounts person tells us we need to call the collector and ACS, etc. She has no control and no record of payment. The wife calls ACS and speaks with an individual that confirms they have been receiving our payments, the principle is where it is supposed to be, and that the accounts person at our alma mater has access to all of this info.So, I need help. How the hell do we get them to take her loans out of default if they had the information the entire time and never did? Did we do something wrong? Are there steps we need to take? The principle on her Perkins has like 400 left and the total is something like 417. Ive googled and only found info about consolidating loans to get out of default, nothing that really applies to my wife and Is situation. Any advice would be greatly appreciated.  <response>: Might want to cross post to rstudentloans. 