Default Resolution
Getting Out of Default
Defaulted federal loans can lead to collections, wage garnishment, and tax refund offsets. There are established ways out, and we help you choose the right one and complete it correctly so you can return to good standing.
Default is stressful, but it is solvable. The two main ways out of federal student loan default are rehabilitation and consolidation, and the right choice depends on your credit, your timeline, and what you want to do next. In 2026 there has been a temporary pause on involuntary collections tied to the repayment overhaul, but it is explicitly temporary. Acting while you have breathing room is far better than waiting for garnishment to restart.
This may be a fit if…
- Your federal loans are in default or seriously behind
- You are worried about wage garnishment or tax refund offsets
- You have received collection notices and feel stuck
- You want a clear, manageable path back to good standing
How we help
- 1Confirm your default status and review your resolution options
- 2Explain the difference between rehabilitation and consolidation for your case
- 3Prepare the paperwork and documentation for the path you choose
- 4Track the process until your loans are back in good standing
Our honest take
We will not tell you that you are permanently safe from collections, because the current pause is temporary and could lift. We will help you resolve the default on your terms while the pressure is off, which is exactly when it is easiest to do.
Common questions
See what you actually qualify for.
A free, honest evaluation with a real advisor. No pressure, no obligation, and no cost.