Student loan default doesn’t have to be scary. There are ways to get out of it.

1 – Pay back the full amount. You can either pay back the loan in full or set up a repayment for full payback.

2 – Loan rehabilitation. This is where you agree to meet certain requirements in writing, including making payments equal to 15 percent of your discretionary income.

3 – Loan forgiveness. You might able to get out of paying student loans altogether if you experienced certain problems at the school you attended or if you work in a public service job for a certain amount of time.