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No. of Recommendations: 1
Take a big breath and get in touch with the Direct program. Tell 'em you're in default but you want to consolidate everything and start paying. They have a program that lets you pay based on your income. They consolidate all your loans so you only have one. It's easy and they are pretty nice to ya.

After you pay Direct a number of payments, they take you out of default and show you as current.

The government is not nice about collecting. They will seize tax refunds and etc. They can also come back after your property and etc. but I have not heard of them being that aggressive with anyone I know that has had payment problems. The WORST thing they do is charge you up the wazoo for collection charges. The amount of your loans can double in a couple of years of default. Work out something now so you can pay them.
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