<prompt> Human: So Ive got around 14k in student loan debt they are all in default as I havent been paying them. My finances are looking in much better shape and i really want to get on track to pay them off. The only problem is that I dont know how I am supposed to make a payment. My loans are handled by direct loan servicing center and debt managment amd collectioms center. For the life of me i can not find any way to properly contact these companies find any kind of online account or make a payment anywhere. It is driving me insane, ive spent hours trying to figure out how I can make a payment and evemtually i give up and forget about it for a while, but of course my debt isnt going away. Does anyone know what i am doing wrong?  <response>: Pull your credit report and use the contact information listed on the report. You can also check the National Student Loan Data System to review all of your federal student loans and who currently holds them. You likely wont be able to make online payments on defaulted loans until youve contacted whoever is holding them and specifically set up an account. 