What rights do I have if a collector is bothering me?

Student loan collectors are bound by the same consumer protection laws that regular credit cards and other companies are. They have to abide by the Telephone Consumer Protection Act. They have to stop calling your cell phone if you ask them to. They have to also abide by the FDCPA, which is the consumer protection statute for the collection of debts. That might mean that they can't call too early in the morning or too late at night. They can't talk about the debt with others. There's a number of things that they can't do. And those consumer statutes, they apply to student loans the same as every other debt.