Federal student loans are in default after you fall 270 days behind on payments. Defaulted student loans remain on your credit history for seven years after they are paid off. The Department of Education lists three options for getting student loans out of default: loan repayment, loan consolidation and loan rehabilitation. Only loan rehabilitation removes the default from your credit report. Rehabilitation is a one-time option. If you default a second time, you can’t rehabilitate the loan again.
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Rehabilitate Your Student Loan
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