Legal Question in Credit and Debt Law in Georgia

It depends on their reasons, and the facts - none of which you provided. It would be very odd if the balance was the same as the original loan amount.

I would agree with Attorney Riddle. Also, you mention you are in a "loan rehab." This suggests that the account either went into default or there were deferments. Interest is still owed while the loan was in deferment or in default and this is going to increase the loan balance.

The problem is that you have a federal student loan - its not dischargeable in bankruptcy (absent severe hardship), there is no statute of limitations and if you don't start working something out they can garnish you at a rate of about 15%.

Unfortunately, you provide no relevant facts. If possible, I would look into ways to obtain some loan forgiveness. I also would have an attorney look over the documents which were sent to you. You don't have many options and need to repay this. You need to figure out how to do that but the starting point is to figure out exactly how much you owe. You need to start by calculating the amount borrowed and the interest rate that has accrued. That will tell you approximately what should be owed.