Creditor calls

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Our daughter has defaulted on her student loans and since my husband cosigned the loans, we're receiving an awful lot of collector calls. So far we've been making the payments whenever she gets three or four months behind and the agents are calling and screaming at my husband that he's going to ruin our credit ... it's very upsetting. In December we paid the previous four months. January they started calling back in anticipation of missed payments. Can they do that? We asked them if they can do that and don't they actually have to wait until she misses a payment before they start calling us? Also, we keep telling them to call her directly and talk to her about paying her bills. We've given them the number every time they call but they keep calling us. She graduated two or three years ago and so far she still owes almost the entire amount. We've covered her over the months but whenever we ask if she's making her payments, she says she is and we believe her until we get the phone calls and letters. Then we call her, and ask her about it and she swear on a stack of bibles that she has made her payments and that the banks are mixing her account and another girls by the same name. So usually, we would say alright, get your receipts together and we'll battle the bank on your behalf. My husband has gone as far as going to the bank to speak to them and it always turns out that she just isn't making her payments. We're not stupid but we didn't want to believe she would lie to us so often and with such ease. We are not in a position to pay off her loan and we're also not in a position where we can afford to let this to destroy our good credit rating at a time when hubby is on the brink of losing his job. This situation has me feeling ill!