Mine are from The US Department of Education. I filled out a FAFSA and received Federal Loans and Grants. Sallie Mae is a supplementary loan Private loan. You supposed to get Private if you don't get enough Public.
Student Loan (Public)- Parent Loan (Public)- Student Loan (Private)/ Parent Loan (Private)
Sounds like you skipped the federal loans. Here's the good news though. GO onto the fafsa website
. Register, get a pin, and all the jazz. Fill out your back fafsa applications from when you started college, and they will reimburse you with subsidized loans, and god willing, a Grant. You can then take that to pay off your Private loan and then defer their loan until you are able to pay it. Hopefully if you or your parents filled out a tax return that doesn't show much money, they will give you a grant anywhere from $500- $4000 each semester you were in college. As you should know, grants are "free money" not needed to pay back. If you get enough grants, then you won't need any loans. Anyway, go research into it cause I feel like im getting confusing.