Get Back on Track

Defaulted Loan Rehabilitation

Don't let defaulted student loans control your financial future. Our expert rehabilitation services help you restore good standing, improve your credit, and regain access to federal aid programs.

9-12
Months to Rehabilitate
100%
Default Removal Rate
95%
Success Rate
Start Rehabilitation Today Free Consultation
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Credit
Restored
95%
Success Rate

The Loan Rehabilitation Process

Our proven 3-step process helps you successfully rehabilitate your defaulted federal student loans and restore your financial standing.

1

Assessment & Eligibility

We review your loan status, calculate affordable payments based on your income, and determine the best rehabilitation strategy.

Includes:
  • • Loan portfolio analysis
  • • Income verification
  • • Payment calculation
  • • Eligibility confirmation
2

Rehabilitation Agreement

We handle all paperwork and negotiations with your loan servicer to establish a rehabilitation agreement with affordable payments.

Includes:
  • • Documentation preparation
  • • Servicer negotiation
  • • Agreement terms setup
  • • Payment schedule creation
3

Completion & Restoration

After 9 consecutive on-time payments, your loan exits default status and you regain eligibility for federal student aid.

Results:
  • • Default status removed
  • • Credit report updated
  • • Federal aid restored
  • • Payment options expanded

Why Choose Loan Rehabilitation?

Remove Default Status

Once you complete rehabilitation, the default status is completely removed from your credit report, improving your credit score.

Restore Federal Aid Eligibility

Regain access to federal student aid programs, including grants, loans, and work-study opportunities for future education.

Affordable Payment Plans

Rehabilitation payments are based on your income and expenses, ensuring they're manageable within your budget.

Access to Forgiveness Programs

Once rehabilitated, your loans become eligible for income-driven repayment plans and forgiveness programs.

Rehabilitation Timeline

1
Month 1-2

Assessment and agreement setup

9
Months 2-10

9 consecutive on-time payments

Month 11+

Default removed, benefits restored

9-12 Months
Average completion time