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    You can have your federal student loans canceled for school-related reasons, such as your school closing, or in the event of disability or death. Department of Education will accept payment in the form of checks, money orders or credit or debit cards.

    Learn more » You could choose to pay the full amount of what you owe on your loan to get out of default. Learn more » On this page, we write exclusively about getting out of default on your Federal Direct and FFEL student loans.

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    How to use this guide: Each chapter is a standalone mini-guide that can be read in isolation, but to get the most of the book it would make sense to read it all the way through at least once, and then return to it as a reference resource when needed.​Getting a student loan should be a difficult decision for people, but it is usually not.

    It is NOT a system and it will not help you magically pay for school or get out of debt.

    It will, however, take you through the process from start to finish put knowledge in your head, and give you tools to battle the student loan machine.

    Private student loans and Perkins loans operate under different rules, and for more information on getting out of default, you should reach out to your servicer or the school you attended.

    Another way to get out of default on a federal student loan is to consolidate it.

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