School Loan

What should i do?
Received a late notice from my student loans holder.
I'm unemployed.
I know I need to contact the debt holder but...
1.What do I say?

2.What should I expect.
3.What should I have at hand (besides the bill) when I call.
Etc.
Thanks guys.

What type of loan?? Federal or private???
If federal, get your loan into unemployment deferment! You are eligible for up to 3 yrs!
If private, ask for a forebearance...

Don't really know.
It was originally a Citibank loan.
SallieMae picked it up sometime last year.
The payments aren't bad I just don't have job.
Just want to get into the right position here.
My credit is in a bad state mainly because of this.
Low score.
I've managed to pay off all of my small debt.
This isn't going any where.

I would suggest you find out what type of loan you have quickly. you do not want to default on any student loan.

How do I do that?
Why is that important?

Call your lender.
Did you not read your prom note and loan agreement when you signed them? Right above your signature is a statement in BOLD 'THIS IS A PROMISSORY NOTE. BY SIGNING THIS NOTE I HAD READ AND UNDERSTAND THE TERMS OF THIS NOTE:

The terms of your agreement whether private or federal are on that note. It is important that you know and understand this information and your responsibilities to avoid default.