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I have a private student loan through American Education Services. As far as I knew, my loan was in a three month forbearance from Nov, Dec and Jan with my payments to resume in February. When I called last week to get my updated tax information on my student loan interest, I was informed that my loan was in DEFAULT and no longer with the AES office. I was then given about eight different numbers to call to track down who actually held my account and I still have not figured out how it went into default when it was in a 3 month forbearance. But AES won't give me any information because they sa