Don't get discouraged. You have multiple options to get out of default.
Are you in default?
Right now no, but I could be soon.
Had the U.S. Department of Education ED stop collection activity during the COVID-19 national emergency?
Yes, the U.S. Department of Education ED has stopped collection activity on defaulted federally owned student loans and/or grant overpayments. In addition, interest is temporarily set at 0 % on defaulted federally owned student aid debt.
What happens if I choose to make three payments on the defaulted loan before you consolidate it?
choose to make three payments on the defaulted loan before you consolidate it.
What is the rehabilitation of the loan?
There are different programs for this. William D. Ford Federal Direct Loan (Direct Loan) Program and Federal Family Education Loan (FFEL) Program
How much can I pay to consolidate my loan?