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Default on a student loan is expensive in ways most borrowers never see — collection fees that inflate the balance, wage garnishment, and a credit file that blocks everything from apartments to car loans. The official exit ramp, rehabilitation, requires 9-10 on-time payments and then rebuilds your options. This guide maps the road out: who to call, what rehabilitation costs, and why consolidation without rehabilitation first can quietly trap you in default.
rehab + relief options
A program where 9-10 consecutive on-time payments remove the default status — after which your loans regain normal options and the default falls off your history.
Yes — federal-style lenders can garnish wages without a court judgment, which is why engaging early matters more than hiding.
Only after rehabilitation — consolidating a defaulted loan without rehab can lock in the default and its fees.
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