Default is a failure to repay a student loan debt based on the terms and conditions of the promissory note. For Direct Loans, a person is considered in default if a person doesn't make payments for 9 months (270 days).  When a borrower defaults on a student loan, it adversely affects their credit score.  

 

In order to get out of default, the borrower must pay the loan in full (the loan balance plus with accrued interest or fees,  complete 9 voluntary, reasonable, and affordable monthly payments in 10 consecutive months, or consolidate your defaulted loans into the Federal Direct Consolidation Loan.