If I was right in reading the tea leaves about the regulation allowing people to apply for federal student loan forgiveness when they were defrauded, then I would bet the government will be closing that door soon.

Rather than spending your life energy to hide from the collector, it would be more beneficial to come forward with a real plan to deal with the situation.

The real question everyone needs to ask is at what point do you sacrifice a safer financial future to attempt to remedy an unfortunate past financial situation? To understand the role and/or strategy of this approach you have to apply math and reality rather than just emotion and assumptions. Which do you think your banker is using?