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For most federal student loans, you can be declared in default if you have not made a payment in more than 270 days.

Private student loans often go into default as soon as you miss four monthly payments (120 days). You can also be declared in default on a private student loan if you declare bankruptcy.

Missing payments or paying late is bad for your credit history and may make it harder to dig out of debt later. If you are having trouble making payments or if you think you are unable to pay, contact your servicer immediately. Do not wait until your loan is in default.