Debt expert: What to Do When Your Student Loans Enter Collections

I am working on an article about what to do when your federal or private student loans enter collections. I’m looking for a debt counselor or financial expert to answer the following questions: 1. Once a student loan enters collections, what options does a borrower have? 2. Can a consumer negotiate a lower bill for a student loan, like sometimes can be done with a credit card in collections? Why or why not? 3. If a person feels the debt is in collections when it shouldn’t be, what can they do to fix it? 4. How can they settle the debt? 5. How can a debt counselor help them? Requirements: Must be a debt counselor or financial expert