Maintain contact with your lender:
Lenders are accustomed to talking with college graduates who can't pay their loan right away. Call your lender(s), explain and they'll work with you.
What to do if you're being harassed by your lender or by a collection company:
If you are receiving threatening treatment from a debt collector or lender, you can file a complaint with...
1. The Federal Trade Commission
2. Your State's Attorney General
Source: http://www.affil.org/consumer_rsc/debt_collection.php#debtcollectionwhatcantheydo