Guide
What happens when your private student loan defaults
Default vs. charge-off, the timeline, what collectors can and can't do, and the moves you still have.
Read moreResources to support you at every step
Defaulted private student loans are confusing on purpose. These plain-English guides explain what's actually happening, what your options are, and how to move forward, no jargon, no sales pressure.
Guide
Charge-off vs. default: what's the difference?
They aren't the same thing, and a charge-off does not erase your debt. Here's the gap that catches people off guard.
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Guide
Can you refinance a defaulted private student loan?
Often yes, harder than before default, but possible. How it works and what you need to qualify.
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Guide
Being sued over a private student loan?
Do not ignore it. The deadlines, your options, and the resolution path most borrowers never hear about.
Read moreGradMerge LLC is not a lender. GradMerge LLC is a marketing company that educates borrowers and connects them with its licensed lending partner, Alt Lending LLC, which originates and services all loans subject to its approval and applicable state licensing. Nothing here is legal, tax, or financial advice. Alt Lending, LLC (NMLS #2571325).