the bank i used for one of my student loans came after me with legal action like this after my 3rd layoff and they’ll use every single legal bit of legal fuckery they know to maximize your stress and to make sure that you cannot afford to put up a defense.
also the federal government gives them carte blanche to your finances once they win and permanent-for-life rules so that they can keep coming at you for the rest of your life until you die.