Student Loan Default: Rehabilitation and Consolidation
By Federal Student Aid | 8 min read
Resolve federal student loan default with Department of Education options. Rehabilitation, consolidation, and prevention strategies.
Federal student loan default can be resolved through several options. Loan rehabilitation: Make 9 on-time payments to remove default status, Full payment to cure default immediately, Loan consolidation to create new loan, Tax refund offset and wage garnishment possible in default. Contact loan servicer immediately when having payment difficulties to discuss income-driven repayment options.\n\n**Related Resources**\n- [Financial Planning Tools](/tools)\n- [Budget Calculator](/budget-planner)\n- [Credit Guide](/category/Debt%20%26%20Credit)\n- [Money Saving Tips](/category/Save%20Money)