If you’re in default on your student loans, you still have options. You are not stuck forever. Here are practical steps to get back in good standing: • Find out who currently holds your loan. • Call the servicer and confirm your default status. • Ask about loan rehabilitation to remove default from your record. • Consider loan consolidation to reset the loan into good standing. • Apply for an income-driven repayment plan to lower payments. If your wages are being garnished: • Contact the service