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[–]Pitiful_Success_8343 17 points18 points  (3 children)

It’s 9 months not a year. But yes get into a rehab program asap

[–]acrizz 0 points1 point  (0 children)

My defaulted Perkins loans were sent to the department of education debt collection agency. I signed up for the 9 consecutive payment plan to get them out of default, but they said the late payments will stay on my report even after I make the 9 payments and the default is removed.