Becareful, I think SallieMae employees are running a SCAM to bar people from filing for a forbearance. You are entitled to a forbearance by LAW. If they don't give it to you file a complaint with the proper agency. In my case, I was going to sue SallieMae Pro Se. Being a law student helps.
SallieMae employees informed me that they could NOT give me a forbearance into the furure only for the past debt to today. And that I would still have to make payment on the loan from today. They wanted to charge me $50 + loan payment.
SallieMae employees informed me that they have (1) government loans and (2) private laons. And a forbearance on a private loan cannot go into the future. Their website doesn't say that. I didn't see any law that defines a forbearance different for a private loan and government loan.
Today, after days of arguing with them, they gave me a forbearance into the future.
DEMAND YOUR RIGHTS!