Student Loan Default? You Have Options.

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Weston Legal, PLLC
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01:20 14 Jun 24
Talented legal representationDominique McKnight made my legal confrontation disappear without any stress on my part. I am very grateful for the professionalism and substantial legal abilities of this firm and most especially with Dominique McKnight. I am in appreciation of all who worked together to bring my legal matters to a favorable dismissal. I am disabled and senior. Thank youMost Sincerely, Michael
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18:05 13 Jun 24
Stephanie R. Is the paralegal I communicated with throughout the chapter 7 bankruptcy. I had a couple meetings also with Pete Weston. Both were extremely pleasant to work with. Stephanie was very detailed and I really felt like she was looking out for me. My bankruptcy should be discharged soon and I have no regrets in filing or using the Weston law firm. I will recommend them to anyone who might need them. Thank you both so much for all your hard work.
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My experience has been absolutely amazing. The team was always prompt to responding to my emails, in addition to that was able to win my case. Super grateful to have found them. I am well pleased.
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Highly reccomend Weston Legal!! Shout out to Courtney Baumbach for helping along the way. CASE DISMISSED!!!
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20:55 11 Jun 24
I had a debt that was in collection and I am glad Weston Legal, PLLC was able to help me resolve my issue. Thank you for all your help.
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14:53 06 Jun 24
I’ve used this company for two cases one dismissed and the other settled for a way lower price I would have been able to negotiate,great company and they work on the case no matter how long it takes to complete.
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1. Federal or Private

The first step is to determine if you have Federal or Private Student Loans in Default.  The remedies and solutions are different depending on the type of loans that you have.  We can work with you to help determine what type of loans you have.  If you are being SUED by National Collegiate Trust for a private student loan, click here.

2. Default Options

Depending on your loans, there may be a variety of options to get out of default. If you have Federal Loans then rehabilitation or consolidating your loans is generally the best option. If you have private loans, then working a settlement with your lender is often a possibility. We can work with you on the best option for getting out of default.

3. Get out of Default

Getting out of default may take some time. The rehabilitation process can take 9 to 10 months. However, once you are out of default, you are in a much better position and you can qualify for many of the Federal repayment options, such as “Income Based Repayment”. Contact us now so we can determine what the best option is to get you out of default on your student loans.

Student Loan Default Help

For Federal Student Loan Defaults, the common remedy is either consolidation or rehabilitation.  However, you can only use one of these remedies once so it is important to get it right the first time.


Rehabilitation involves making 9 of 10 regular monthly payments to the collection agency who is servicing your loan.  Often these agencies are difficult to deal with on your own.

If your wages are currently being garnished for your Federal Student Loans then a rehabilitation will be difficult.  This is because you are usually required to make your rehabilitation payments in addition to what is being garnished.


Consolidation of your Student Loans has its pros and cons.  The pros are having one lump sum payment to only one entity.  Additionally, consolidation can be a great ticket out of default and on your way to an Income Based Repayment Plan.

Consolidation can also possibly stop a wage garnishment and can be an effective means to get your loans out of default.

Student Loan Wage Garnishment

Federal Student Loan Defaults often result in a garnishment of your wages.  If you have not been garnished yet, the time to act is now because once it starts it’s difficult to stop.

A garnishment can usually be stopped with a Student Loan Consolidation.  A Rehabilitation is not as simple because you are often required to make rehabilitation payments in addition to the amount that is being garnished.  Many consumers are unable to make wage garnishment payments and rehabilitation payments.  Thus, consolidation becomes the primary option.

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