Default and rehab: get the notice trail clear first.

When default, collections, or wage garnishment are involved, the best first step is to confirm the actual notice, current loan status, and income facts. The route may be rehabilitation, consolidation, or a different recovery path.

Quick answer

Do not rely on memory. Scan the default or garnishment notice, then pair it with a current loan summary and income proof if payment amount matters.

What to gather

• Default notice, collections letter, or garnishment notice.
• StudentAid.gov summary or current servicer/default holder statement.
• Income proof such as pay stub, W-2, 1040, or 1099.
• Deadline, hearing, or employer withholding details if shown.

Common blockers

• No current notice is available.
• The loan holder is unclear.
• Income proof is outdated.
• Rehab and consolidation are treated as the same thing.

Best next step

Scan the notice first. If timing is urgent, guided help may be the cleaner next step than more reading.