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Hello all, I am attempting to tackle my defaulted student loans this Monday and I was looking to get some advice before starting. I had a loan through Direct Loans and it was deferred. After deferment I did not make payments and it went to default. They sold it to a company in NY called Conserve who have been attempting to contact me. I am currently unemployed but I recently got a freelance job which pays me $200 a month. I want to enter rehabilitation. My loans are ~15k but with interest and fees I owe ~21k. I know that rehab is typically 1% of what you owe but I cannot afford that. I feel like I've read that rehab payments can be as though as $50 and I'd like to get that. It wouldn't put a dent in my loans but it would allow me to start the rehab clock while I secure full time employment. Is there any way to reduce the 4,200 in fees? What kind of guarantees do I need to get beginning rehab? I know I should document all interactions, does that include recording phone calls? How fast can I get it started? I'd like to make my first payment in April if possible. After I complete my 9 payments what happens to my loan? Does it transfer from Conserve back to Direct Loans? Or to someone else? What do I need to do to make a smooth transition and get the default removed from my credit ASAP after that final payment? Anyone who has completed rehab: what should I know that I didn't ask about? I'm very nervous about this since I assume that Conserve is not operating in my best interests. Thank you for any help you can provide.