Student loan Help!!!

I need some serious financial help!

My loans were put into collections while on maternity leave despite being in a forbearance. The forbearance was only for a few months. I went to make a payment last month and the loan was charged off. I received a collections notice from an internal department of the same company. Sent a debt verification letter and all was verified.

I have the option to reinstate due the circumstance or keep in collections. I know collections will fu#%% my credit but won’t accrue interest. I don’t need to make any major purchases for the next 6 months or so. If I reinstate the loans they will accrue interest. It’s over 100k.

Please Help!!!