<prompt> Human: Ive been paying my loans diligently for the past 6 years and theres no way that Ive defaulted on any of them.A few things to note: I have applied for federal student loan forgiveness and have had my payments reduced, and the will be for the lifetime of the loan 14-15 more years, at which point the amount of money forgiven will count as income yay, finally school helped me make money!I will be contacting the company that helped me set up the student loan forgiveness and seeing what can be done on their end.Also it never directly mentions me, but the way that the letter comes across theres no way that anyone but me could have failed to pay the loans.I know I can ask any collector for proof of debts, and Ive instructed my mother not to pay this, but can I threaten them with a defamation suit since the letter the sent was to a third party, is demonstrably false, and harms my reputation with my mother? If my mom cosigned on the loan I probably wouldnt be able to but still the fact that I havent payed is demonstrably false.  <response>: There is a student loan default scam going around. The idea is that you will panic and pay them off immediately before verifying that they have anything to do with your student loans.Like this one: 