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Student loan default can lead to terrible penalties like, tax offsets, wage garnishments and bad credit.

Student loan consolidation can help a borrower get out of student loan default.

Parent PLUS loans generally have higher interests of about 8.25%.Still by student loan consolidation you can get a weighted average interest rate which is somewhat lower than a normal interest rate.Also, some servicers will allow you to have a lower interest by you opting into a auto payment plan. Student loan default can be a real serious matter if not addressed, Default happens when a borrower has when over 270 days without making a payment.Borrowers that work in public service or in non-profit can qualify for PSLF forgiveness if there student loan meets the program requirements.Student loans can come with a fixed or variable interest rate.

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