Have you tried calling them? Deferment? Or even a payment plan? I had a student loan I honestly forgot about (sub $1k loan) and they called me asking if I was ever planning to pay. I told them them I can do $50 bucks a month and they agreed. Usually if you make the effort to call and tell them, "Hey, I am a poor guy, I can pay X amount of dollars a month." they usually agree.