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Get Out of Student Loan Default and Delinquency

Are you among the millions of Americans struggling to repay their federal student loans? While it can be stressful and overwhelming, putting off the situation will only make it worse.
The good news? You really do have options. We can help you cure default, return to good standing, and overcome tax refund and wage garnishment.
As a nonprofit agency, we work for you! Our certified student loan counselors have your best interests at heart, and we will guide you through the entire process, step by step.
What We Can Do:
  • Conduct a detailed review of your loans, and explain all of your options in plain language
  • Assess whether student loan rehabilitation or consolidation would be a better process for overcoming default, based on your life situation and goals
  • Identify the appropriate forms for each loan servicer and assist with the submission process
  • Conduct conference calls with you and your loan servicer, serving as your advocate
  • Follow up with your loan servicer to ensure everything has been processed correctly
Speak Directly with a Counselor:
M-F, 7am-6pm MST


Take Charge America is a nonprofit dedicated to financial education and helping Americans achieve financial freedom.

We’ve helped more than 1.6 million people nationwide manage and repay their debts. With three decades of experience assisting people just like you, you can rest assured that if there’s a way to help you, we will find it.

Our student loan counselors are compassionate, objective and highly knowledgeable. They are NFCC Certified and specially trained (more than 200 hours!) to help you navigate the system and advocate on your behalf. Their goal is to find the student loan repayment option that will bring you the most immediate financial relief, while setting you on a path to eventual financial freedom. We can help all federal student loan borrowers, even if loans are delinquent or in default.

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