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Student Loan Tip! Are you in default on your federal student loans?
Celebrating Older Americans Month
May 31, 2023Important Update for Veterans!
May 31, 2023Student Loan Tip! Are you in default on your federal student loans? There are two primary ways to get out of default.
- Rehabilitation. Make nine monthly payments in full and on time over a ten-month period. You must call your loan servicer to start this process. Caution: You can only rehabilitate your loans one time.
- Consolidation. You get a new loan to pay off your defaulted loan, which cures the default. You will then be required to make payments according to the terms of your new loan. You can apply for consolidation online with your FSA ID through the Department of Education’s website. Caution: Consolidating your loans may result in the loss of certain benefits available to you prior to default.
For more information on defaulted student loans, please visit the Federal Student Aid website.
Nassau Suffolk Law Services is a participating agency in the EDCAP (Education Debt Consumer Assistance Program) Network. EDCAP helps New Yorkers navigate the student loan system regardless of the type of education debt, federal or private. EDCAP offers free, one-on-one counseling with our student loan experts who only have your best interests at heart. Nassau Suffolk Law Services can also assist when a defendant is being sued on a higher education debt matter. Please contact the EDCAP helpline at (888) 614-5004 or be screened for legal services by Nassau Suffolk Law Services at (516) 292-8100.