Have you defaulted on a federal student loan?
not yet but you know
Unfortunately, no relevant information is found.
who do I talk to about wage garnishment or avoiding it?
You can contact your loan holder.
Another thing about non-compliance. What is loan rehabilitation?
There are different programs for this. William D. Ford Federal Direct Loan (Direct Loan) Program and Federal Family Education Loan (FFEL) Program
what happens when the debt collector gets involved?
If your loan is placed with a collection agency, you will be responsible for costs incurred by your loan holder to get payment. These costs amount to 17.92% of your loan amount if your loan is held by ED. Other loan holders may charge a different amount.
I have more questions about student loans, what if I want deferment? Do you have any advice on this?
If that is the way you go consider paying the interest that accrues during that period, so that you can avoid some of the consequences.
Something else I want to ask, if my wife is my beneficiary, you will notify me before transferring you
Yes, they will let you know. Before a defaulted loan is placed with a private collection agency, you will get an explanation on what you can do to avoid both the assignment to a private collection agency and the reporting of default status to credit agencies.
are these people that offer to help me with the loan for a fee any good?