Did you want to consolidate a defaulted loan that is being collected through garnishment of your wages , or that is being collected in accordance with a court order after a judgment was obtained against you?
not that either, no defaulted loans here
what if I was to default before consolidating? what do I do?
If you wanted to consolidate a defaulted loan, you must either make satisfactory repayment arrangements on the loan before you consolidate, or you must agree to repay your new Direct Consolidation Loan under another repayment plan.