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Student Loan Default

Student loan default is serious business.

Student loan default is something you should avoid at all costs.

When you have a lot of student debt, there may be times when you find it hard to make your student loan payment. If you have not made payments on a loan for 270 days (roughly 9 months), your lender will consider the loan in default. At that point, a number of things will happen:

  • The unpaid balance of your loan plus interest will become due and payable immediately.
  • Your credit rating will be severely damaged, making it hard to buy a car or house, rent an apartment, take out a loan or get a credit card.
  • You may be sued by the lender and have money withheld from your wages and tax refunds to help pay back the amount you owe.
  • You will no longer be eligible for repayment plans and other options for student loan debt relief.
  • You will lose eligibility for federal student aid in the future.

When you go into student loan default, it can take years to rebuild your credit and to recover financially. Fortunately, there are many alternatives to student loan default, and the financial professionals at American Consumer Credit Counseling (ACCC) can help you explore them all.

Avoid student loan default with help from ACCC.

ACCC is a nonprofit organization dedicated to helping people regain control of their financial situation and live a life free of debt. We offer free credit counseling along with budget counseling, bankruptcy counseling and housing counseling. We also offer a low-cost debt management program and free financial education for consumers nationwide.

During your free credit counseling session, we can outline all the student loan solutions that can help you avoid student loan default. If you are already in default, we can provide advice on the best course of action to get out of student loan default and begin to repair your credit as quickly as possible.

Ways to avoid student loan default.

Our counselors will help you understand all your options for avoiding student loan default, including:

  • Student loan consolidation – when you have multiple student loans, it can be helpful to consolidate student loan debt by taking out one new loan to pay off several older loans. A new loan with a lower interest rate can help lower your monthly payments.
  • Deferment or forbearance – if you are entering the military or experiencing financial hardship, you may be able to suspend payments on your student loans for a period of time without going into student loan default.
  • Alternative repayment plans – you may also avoid default by renegotiating your payment plan to lower your monthly payment.

Learn more about affording student loan default with help from ACCC, and about the pros and cons of student loans consolidation.

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