Don't ignore or disregard the summons and complaint if you are being sued. Companies like National Collegiate Trust buy private student loans and file many lawsuits around the country against debtors. These businesses are undoubtedly anticipating that if you don't respond to the case they can win a default judgment against you. If you speak with a lawyer, there may be options to settle, defend the case, or in some circumstances, file for bankruptcy (although bankruptcy usually will NOT discharge student loans).