Contact your loan servicer or the Default Resolution Group
Confirm which loans are in default and the total balance owed
Choose a rehabilitation, consolidation, or repayment option
Apply for loan rehabilitation if eligible
Make the required on-time monthly payments for rehabilitation
Apply for Direct Consolidation if rehabilitation is not the best option
Choose an income-driven repayment plan if available
Submit the required application and income documents
Make the first required payment on time
Ask about wage garnishment, tax refund offset, or benefit collection stops
Get all agreements in writing
Keep proof of every payment and document submitted
Check your credit report after the default is resolved