Student Loan Default Help

Student Loan Default? You Have Options.

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Federal or Private

1  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.

Default Options

2  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.

Get out of Default

3 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.

Why Hire Weston Legal


We only charge Flat Fees for Student Loan Defense. No Hourly Rate. No surprises. We can work with you on affordable monthly payments for Student Loan Default representation.


We have helped thousands of consumers deal with debt. Let us analyze your situation to see how we can help you.


Client Service is our number one priority.


Instead of taking our word for it, see what former clients have to say.

Meet some of our Staff


177 West Gray Street
Houston, Texas 77019
Principal Office


320 Decker Drive
Suite 100
Irving, TX 75062
by appointment only


106 E. Sixth Street Suite 900
Austin, Texas 78701
by appointment only

San Antonio

9901 I.H 10 West Suite 800
San Antonio, Texas 78230
by appointment only