<prompt> Human: So Im a not so recent college graduate and was contacted via e-mail saying I would be contacted by my loan officer. I havent heard anything from them. Ive got a lot of student loans. Should I wait for them to contact me or is that the equivalent of shooting myself in the foot?  <response>: I would. Theyll find you eventually. And you dont want it to be because you defaulted on payment. Saying I didnt get it in the mail or the equivalent isnt going to cut it - if it did everyone would say that. 