So I'm looking for information regarding private student loans (PSL) and what the process is when they are in default. I have 4 PSL that will be in default status at the end of this month according to Navient. I have tried to negotiate lower payment for my loans but they have told me that there isn't one. So I want to know how much time I have before they try to sue me once they don't receive payment at the end of this month. I have plan to pay back the loans, I just need to know how much time I have to put the plan in motion. I welcome advice from anyone who is familiar with the default process of PSL.