<prompt> Human: Hello! To attend college I had to take out student loans. I completely trusted my parents and basically just signed where they told me to and paid for school with the money they deposited into my account. My parents told me they would pay for the loans until I graduated and found a job. While searching for a job I found that they had not paid one cent towards my loans and were sent to collections. I joined the army and with the help of a financial counselor was able to track down and start payments on some of them. I went to 3 different counselors and they couldnt find all of loans. I just got out of the army a few weeks ago and got a call from a collector saying I owe them 63,000. I have no idea what I should do as I am currently unemployed. I would really appreciate any advice. Sorry for the wall of text as I am just stressed out and didnt know what to do.  <response>: NSLDS will have a complete list of all of your federal loans.Your credit report should have any private loans. Credit Karma is also good resource. But with how often loans seem to change hands it can prove difficult to keep track of them or find them in the first place. You can call your college and get a copy of your account from them and see what was paid where and that can assist you in figuring out what all was paid out by whom. I would also ask the collector to send you proof of the debt in writing with supporting docs. 