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What To Do About Student Loans In Default or Past Due Student Loans
If you have student loans in default or ones that are currently past due, you need to take quick action to avoid these becoming a potential problem for the rest of your life.  The consequences of a defaulted student loan are worse than that of, say, an electric or utility bill that goes into collection, or even a credit card.  However, there is some help available to those that wish to remedy the past due student loans.
There are many types of student loans available to people looking to borrow money to finance education expenses.  The vast majority (around 78%) of student loans are guaranteed under the Federal Family Education Loan Program through Sallie Mae.  This means the government does not actually loan the money, they just provide a guarantee to the lender in case of default.  The remainder of student loans are made as direct loans from the government under the Direct Federal Loan Program, which is mainly comprised of subsidized and unsubsidized loans, and many states also guarantee student loans.  Those programs vary from state to state.  There are also a variety of student grants available.  
WHAT SHOULD YOU DO IF YOU CAN'T PAY YOUR STUDENT LOAN?
Find out if you qualify for a forbearance.  A forbearance allows ... more

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