to people with student loans in default: If account control technology informs you that your account is going to be part of a major audit and you will definitely be headed toward administrative wage garnishment at a SPECIFIC DATE (most likely a week or so after you call) CALL YOUR GUARANTOR, ACT does not REPORT ON YOUR CREDIT, your GUARANTOR DOES, find out how to contact them and talk to someone from the collections department. ACT will tell you to borrow money from friends and family, they will tell you to pawn something, they will tell you... read full review »