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Is Direct just for consolidating different loan types or will they refinance 2 of the same type of loan? My husband did not pay on his 2 student loans and got turned in to collections. Since then, he's made 12 monthly payments and they sent a letter about their loan rehabilitation program, and that they would sell the loan to the student loan marketing association. Is this the same type of thing as Direct? Or is this the only thing we can do at this point because he defaulted on his loans? I called this place up and they can't tell me whether his payment will go up or not. We're kind of concerned about that, because we can't afford it to go up by much.
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