I just received a letter it’s not clear what it says as in a specific later. In the back it says the date, time and location I have to be there?

I haven’t been paying my loan for college idk if that’s the issue? I don’t work I’m a home stay mom with a baby and toddler my husband is the only one who provides for us. Idk can someone help me? I’m low key scared and confused? And in the last page it says consult a lawyer to determine your rights in this case.