Once you default on a federal student loan, the income-based programs with debt forgiveness, unfortunately are not available for you. You also might have garnishment and some other things, so it's important to fix the default. There's two ways to do that. One is consolidation, the other is rehab. There are differences between them, it's important to understand why the differences exist and which one to pick. There are student loan attorneys, such as myself, available for that, there is information on the website as well, but either way you choose, then that would cure your default, remove it from your credit, and enable you to participate in some of the better plans out there.