I got behind on my student loads

Your debts will get paid off very easily through a debt management program. You won't need to stress yourself with the higher monthly payments. A counselor will be calling you shortly and discuss your options in starting the program and help you in paying off the debts. Good luck!

Welcome to the forum! You are entitled to a free consultation with one of the debt counselors when you register with this site. They can discuss your situation and explain the available options to get things back on track.

If you only need help with approximately $3,000, a debt consolidation program might be of benefit, the debt counselor can discuss this with you.

If that is either a Direct, Guaranteed, or Federal Stafford Loan, you will want to rehabilitate that. That will help you get back up to speed with the loan. It calls for a 10% down payment and 1.5% monthly payments for a full year, after that your loan is taken out of default, off your credit report as defaulted, and refinanced for over a period of nine years.

When you go into rehabilitation do you have to make on time monthly payments for 12 consecutive months before they come out of default?