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Attempting to Refinance Defaulted Student Loans — What to Know

June 22, 2026 admin Comments Off

A student loan moves into default status when you fail to make payments for an extended period. Default timelines vary depending on the type of loan you have. However, federal loans generally go into default if you don’t make payments for at least 270 days. Federal student loan defaults and collections were temporarily paused during the…

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Student Debt Modifications is not a lender or directly associated with the Department of Education. We are a document processing company that assists borrowers in understanding their student debt forgiveness options and match them into Government assisted relief and consolidation programs. There is a fee for our services that is determined upon the initial consultation that is at no charge to you. We do not accept all cases. Also, we encourage those with student debt to apply for free at the Department of Education website or to consult a financial professional before making any final decisions.