I am really stressing.    I had 4 loans (94.95,96,97) I was deferring fine until about 2014 when Erudio took over then It all messed up with deferring   then started ignoring everything they sent  (I know this was stupid)   Now I have received a letter in the post from Drydens claiming nearly 10k (so interest has nearly doubled what I owe)    I still don't earn anywhere near the threshold.  It isn't 6 years since I last acknowledged so I can't st