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.
Default vs. charge-off, the timeline, what collectors can and can't do, and the moves you still have.
They aren't the same thing, and a charge-off does not erase your debt. Here's the gap that catches people off guard.
Often yes, harder than before default, but possible. How it works and what you need to qualify.
See what a lower fixed rate could do to your monthly payment and total interest, in about 15 seconds.
Is GradMerge a lender? What does it cost? Will it hurt my credit? Straight answers.
See whether you qualify to move a defaulted loan into a fixed-rate loan. Free, no obligation.
GradMerge is not a lender. GradMerge 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).