Do you have trouble making your monthly payments?
yes
You should contact your loan manager immediately. Your loan manager can help you understand your options.
One more thing to be more clear. Can a father consolidate a more defaulted loan for the education of his children?
The only income-driven plan they can choose is the Income-Contingent Repayment Plan
can we do the loan consolidation with only one loan?
Yes, loan consolidation allows you to pay off a federal student loan with a new consolidation loan
Have you decided to make three payments on a defaulted loan before you consolidate it?
no, I'm not there yet
Unfortunately, no relevant information is found.
what comes next after I choose something like an income-driven plan for repayment?