Student loan default is a state of delinquency on student loans occurring after you have violated the terms of your contract, e.g. have not made a payment or arrangements for at least 270 days. Student loan default remains on your credit report for seven years. It's an extremely negative credit report entry that can affect your ability to get credit cards and loans as long as the loans are in default. Your lenders may send your loan to collections or sue you if your student loans go into default.
You can bring some students loans back into good standing through several months of timely payments. If you've defaulted on your student loans, contact your lender to find out how you can bring your student loans current again.

