Consolidating to a direct loan

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Student loan cancellation is often limited to very specific situations, but in those situations, the option is required by federal law to be available to debtors.

You may not cancel your student loan based on dissatisfaction with your college, the degree you received or your job placement prospects after graduation.

For many borrowers, this is the most practical option for getting out of default.

Learn more » Canceling your loan is only available in limited situations, but if you’re in default, it could be an option for you.

If you don’t want to make three voluntary payments, you can still consolidate your loans if you agree to enter into an income-driven repayment plan. To rehabilitate a federal student loan, you and the Department of Education must reach an agreement on a “reasonable and affordable” repayment plan in which you’ll have to make nine out of 10 on-time payments.

Any garnished wages, tax returns or social security earnings will not count toward these payments.

Parent PLUS loans are excluded from most benefits provided by the federal government, but if you consolidate these loans, you’ll become eligible for income-contingent repayment and Public Service Loan Forgiveness.

Another way to get out of default on a federal student loan is to consolidate it.You can also contact the Federal Student Aid Ombudsman online or call (877) 557-2575.In some circumstances, whether your loan is in default or not, you might be eligible to have your federal student loans canceled entirely.As of July 1, 2014, there are new regulations governing how you rehabilitate your loans, and allow you to pay as little at a month to rehabilitate your student loan.If a debt collector refuses to offer you an option for which you believe you qualify, submit a complaint with the Consumer Financial Protection Bureau online or call (855) 411-2372.

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