How long does it take to get out of default?

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You can apply for loan consolidation or other repayment assistance without paid assistance at no cost through the Department of Education (DOE) at Studentloans.gov .
SLS services assist you prepare and process the application for student loan consolidation and repayment programs offered by the DOE.
SLS is not a loan servicer, and does not provide debt relief services, including renegotiating, settling, or in any way altering the terms of payment or debt.