I have defaulted on my loans. I fought with them for a while, tried to get them to continue a forbearance or the other delay option they have for people who thought that college was a good idea and is now working in a restaurant.
In total I owe about 60K, the amount defaulted is like 10K, but I know eventually my options will run out and the entire 60K will be wanted in 1 lump sum.
I understand I will be sued, and basically every penny coming to me through my earned non-cash wages including all tax returns.. the government can intercept will be taken.