You have to repay your loans
Are you having trouble making payments?
yes I am
You should contact the organization that handles billing for your loan and discuss option with them.
who do I contact for the direct loan program I'm in?
You can contact the loan servicer
when do I become delinquent?
Your loan becomes delinquent the first day after you miss a student loan payment,
what if I've missed payments for about 3 months?
Your loan servicer will report the delinquency to the three major national credit bureaus
what if I still can't pay everything I owe?