<prompt> Human: I havnt been able to pay my student loans for the last 6 months and today I got a note on my door that the police are trying to serve me papers, I know i have messed up but what should I expect from this?  <response>: The police are just serving papers, they wont arrest you unless you have something else on record. Loan provider will take you to court, and you will either reach an agreement to start paying again or they will garnish money from your paychecks before you get them.Considering how fast that happened 6 months Im guessing these are private loans? 