Help with letter of dispute

I’m new to the Debt Collective - this is my first post.
Do you guys have any tips on what to say in a letter of dispute? My student debt has been in default - admittedly my fault, I was both unemployed for awhile and irresponsible about following up. However, somehow they’ve tacked on $14,000 in “fees” and I have no idea what that means and I do NOT want to pay it. I’m scared because with the 9k in interest that’s racked up, plus these fees it brings my loans to 93K . I’m terrified about how to clean all this up. I am writing a letter to dispute the fees. If anyone has any words of advice I’d be eternally grateful. Thank you in advance.

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Also, I’ve been looking through the tools, and it doesn’t look like I would qualify to use any of them as they’re not for FAFSA type student loans and I am in default. I’m really just wanting to dispute the mystery fees

I am happy to talk to you more about your situation.
I will send you a message.