Well, a third option for getting out of default is to repay the full amount of your defaulted student loan.
One more thing I may be able to switch payment plans to get a lower monthly payment, consider an income-based payment plan, change my payment due date, or get a deferral or forbearance .. ok I get it and can I simplify the refund with the consolidation?
Yes You may want to combine your multiple federal student loans into a single direct consolidation loan to simplify repayment. There may be trade-offs, so understand the advantages and potential disadvantages of consolidation before submitting the application
Loans, unlike most grants, scholarships or study and work funds, must be repaid under what conditions?