So you are having trouble making your monthly payments?
yes
You can contact your loan servicer and they can help you understand your options
any advice I could have used before getting the loan?
You should fully understand your loan agreement and the type of loan you are receiving
What happens if I want to pay off the defaulted loan in three installments 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?