In most cases, you have to miss nine months of payments before you will be in default.
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- How can I find a lawyer to help me?
- What special powers does the government have to collect student loans?
- Is it possible to discharge student loans in bankruptcy?
- Is it possible to cancel (also known as discharge) a federal student loan?
- What is the difference between default and delinquency?
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- What’s the difference between the two federal loan programs (FFEL and Direct)?
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Please understand that we do not provide legal advice about individual cases. This web site includes links to other resources for those who seek individualized legal advice or other help not offered here. This site is for people who already have student loans and want to know more about their options and rights.
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