How to Prevent Default on Student Loans

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The first day you miss a payment, you become delinquent on your loans. If you continue to miss payments, your loans could enter into default. For federal loans, you are in default when you fail to make a payment for 270 days, or about nine months.

Private loans have much stricter limits. Most lenders consider you to be in default if you miss just three months of payments.

Consequences of falling behind

Whether you have federal or private loans, defaulting on your debt can have lasting consequences. Here’s what you can expect if you fall behind.

Private loans

For private student loans, you will owe the full balance of your debt as soon as you enter default. If you recently graduated and fell behind in the first few months, that means you could owe thousands right away.

If you can’t pay up, your lender could send your loan to collections. If that happens, you can expect daily phone calls and letters about your debt. Your lender can also add collection charges to your loan, which could cause your debt to grow by up to 40 percent.

If you default, your lender can also report that to the three credit bureaus, damaging your credit score.

If you are still unable to make payments, your lender can get a court judgment against you and garnish your wages. Depending on where you live, the lender may be able to take as much as 25 percent of your paycheck.

Many borrowers have a cosigner for their private loans, and that can make defaulting even more difficult. Since your cosigner’s name is on the loan, they’re responsible for the debt if you don’t make payments. Your loved one could be on the hook for your full balance, which could strain or even destroy your relationship.

Federal loans

The consequences of defaulting on federal student loans can be even more severe. Like private loans, you will immediately owe the full balance of your loans, along with any interest that accrued.

You will lose eligibility for valuable federal loan benefits like access to income-driven repayment (IDR) plans, deferment, or forbearance. You also will no longer qualify for further financial aid.

The government may send your loans to collections, but unlike private lenders, they can also go after your taxes. If you default on your loans, the IRS can take your entire tax refund.

The federal loan servicer can also pursue wage garnishment against you or take legal action, which can prevent you from purchasing or selling assets like a home.

How to prevent default

If you’re struggling to make your payments, it’s important to take action right away to prevent default. Here are three things you can do:

  • Sign up for an IDR plan: If you have federal loans, you may be eligible for an IDR plan. Under these plans, your monthly payment is capped at a percentage of your discretionary income, making your payments more manageable.
  • Apply for forbearance or deferment: Both federal and private loans may be eligible for forbearance or deferment, where you can postpone making payments without entering into default. Many lenders offer temporary holds on your account if you can demonstrate financial hardship.
  • Ask about alternative repayment plans: If you have private loans and are not eligible for deferment, contact your lender and ask about alternative repayment plans. Some lenders will work with borrowers, allowing you to make interest-only payments or reduced payments on your debt until you’re back on your feet.

How to get out of default

If you’ve already defaulted on your loans, it’s important to get out of default as quickly as possible to reduce the negative impact on your credit history and finances.

If you defaulted on your loans, you might be able to get out by using one of the following options.

1. Consolidate your debt

If you have federal loans, you can get out of default by consolidating your debt with a Direct Consolidation Loan. Once you consolidate, you must sign up for an IDR plan to manage your loans.

While this approach will get you out of default, consolidating does not remove the default from your credit report.

2. Rehabilitate your loans

Another option for defaulted federal loans is to rehabilitate your debt. Through this process, you agree to make nine monthly payments. The U.S. Department of Education will work with you to set up a new payment plan.

Under a loan rehabilitation agreement, they will offer you a payment that is equal to 15 percent of your discretionary income. Depending on your situation, your payment could be as little as $5.

After making the required payments, your loan is considered rehabilitated and the default is removed from your credit history.

3. Pay off the loans in full

While it may sound counterintuitive, paying off your loan balance in full will get you out of default quickly.

It may sound impossible, but being in default on student loans is a crisis situation. Weigh your options and consider asking friends or family for help to pay off the debt to get you out as quickly as possible.

4. Take out a personal loan

If you have private loans in default and don’t have the money to pay them off in full, consider applying for a personal loan. If you can’t get approved because the defaulted loans tanked your credit, you may be able to qualify for a personal loan with a cosigner. You can use the new loan to pay off your loans in default.

However, this approach only works if you have a plan in place for making your payments going forward. Otherwise, you risk compounding the issue by defaulting on the personal loan, too.

5. Set up a plan

When it comes to private loans in default, your options are limited. One of the best things you can do is contact your loan servicer, explain your situation, and communicate your determination to move forward. They may be willing to work with you to come up with a solution, such as temporarily reduced payments to help you get out of default.

The bride of the minimalist embroidery dress

la-champanera-wedding-blog-dress-embroidered-laura-monge6Many brides are clear that they want an embroidered dress for their big day. But the truth is that with this detail there are times that instead of closing chapters, the search for dress can be complicated since most of the embroidery is a true work of art. Do not miss the one that I present in this post!

The value of an embroidered dress lies in the meticulous work that must be carried out so that this aesthetic is also of high quality and ultra precise. An artisanal work that can only be carried out by a specialized professional.

The dress of Laura Monge that stars in this post is wonderful. A design formed by a base in crep with suspenders and triangular neckline that is then dressed with another dress made with a beautiful fabric of minimalist floral embroidery.

In this in particular we distinguish a body with a subtle turned neck with trimmed ends. Another special detail is the center strip of trimmings and minibotons.

It is a tight body that later gives way to a skirt with more body thanks to the variety of layers that make it up.

And I could not close the description without talking about embroidery, the most special detail of this dress. This floral embroidery in mini size and in ecru color has seemed an ideal option for those brides who want a special reason but without being extravagant.

A floral waterfall that covers the body of the bride and accompanies you by the vicinity of some of the busiest areas of Madrid such as El Retiro Park or La Puerta de Alcalá.

A dress that is distinguished by the thousand and one details that make it up. You just need to pay attention for a few minutes to make sure that your designer – Laura Monge – calmly meditates every stitch of her creations.

In addition, this dress seemed to me an ideal option for mid-season weddings because it plays to clueless thanks to its areas with transparencies combined with three-quarter sleeves.

For this style, the beauty look was composed of a thick mane with thick waves and a makeup that emphasized the look and marked the lips in a beautiful peach tone. All made by Oui Brides.

Did you like this new bridal proposal?

Interviewing Laura Monge

It had been a while since I published an interview on the blog, so I chose a great designer of wedding dresses as protanosite from my next post: Laura Monge. Today you can meet the woman who hides behind this haute couture atelier. Do not miss it!

After more than 30 years designing tailored bridal gowns, Laura Monge has enough experience and experience to speak with the criteria of the profession and the world of bridal fashion.

Dedication, passion and perfectionism are the hallmarks of this designer.

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How did you begin your journey in the world of bridal fashion?

I started studying fashion design at the Felicidad Duce Institute in Barcelona. The first contact was designing pieces for multi-brand stores until, 20 years ago, when my daughter was born, I decided to take the step and started designing custom-made wedding dresses.

My dream had always been to dedicate myself to high fashion design. Balenciaga was my mentor; and it was for him that I decided to give myself to this wonderful profession.

What is your work methodology?

I take care of the entire creative process from beginning to end. The first meeting with the customer is essential; I enjoy listening to her dream dress while analyzing her anatomy and personality to create a perfect and unique pattern for her. Each part of the process is important: design the patterns, choose the best fabrics … and, of course, create the dress itself.

What do you inspire when designing a wedding dress?

My biggest inspiration today is the current woman, the one of every moment. I like to design interpreting the woman taking into account the trends of haute couture, but trying to avoid always being disguised.

With what fabrics do you feel most comfortable working?

The truth is that I like to work all the tissues, so I experiment with most of them. I always bet on natural fabrics such as silk, cotton or velvet; and I never use synthetic fabrics.

A dress that works at any time of the year?

A dress with classic and refined lines is always a safe bet. A pattern with French sleeves and a lightweight fabric like organza, tulle or lace.

How are the brides Laura Monge?

The brides with whom I identify the most are those with sweet features that project an innocent and youthful image, a natural elegance.

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What advice would you give to a girlfriend before going to a workshop?

Look for the image of what you want to convey dressed as a bride, the one with which you really feel identified; and, above all, that you trust only professionals. The only way to know how to interpret the dreams of a girlfriend is knowing your profession and the sector well.

The first step will be to choose a pattern that enhances and stylizes, and then choose the right fabric. Once the silhouette and the base of the dress are on track, we can move on to the next step: dress the design with all kinds of details: embroidery, lace, jewelery.

I loved getting to know Laura Monge a bit more, do you?

The dress of pure lines of Laura Monge

What does it matter if the days are gray if we have the best nuptial inspiration? Do not miss this compendium of images with a dress of pure lines by Laura Monge. Classic and current at the same time!

Perhaps you have been fantasizing about day B for a long time, it is the most natural thing in the world since it is one of the most special days for any woman. One imagines with a super dress print but when the time comes, it is very likely that you change your mind and decide for something more modest.

The description that most designers listen to when asking the bride what her ideal dress would look like is “simple but with special details”. And as I know, that this style (I share it myself) is your favorite, I wanted to show you this beautiful dress by Laura Monge.

A classic dress with boat body neckline fitted with tweezers to highlight the physiognomy of the bride. Surely you have stopped to look at the strip of vertical trimmings that it has in the center of the body, and that also coincides with the cuff of the sleeve three quarters.

But the best was yet to come, a wonderful “V” back with different lace and brocade textures that captured all eyes.

The skirt stood out for the striking quality of its fabric; with body and character crowned by a beautiful sash. In the back, a thin cloak with the same lace that looked on the back appeared. An ideal detail!

We could define it as a classic bride but with a current air at the same time. I love these photos captured by Tach Studio with a relaxed girlfriend supported by a jaguar from the year 1980. A mixture between the everyday routine with the magic of a dress as special as the bride.

For the hairstyle, he opted for a nice spiky braid that began at the nape of the neck and left loose the strands that framed the face. An elegant but carefree air at the same time since afterwards it would be complemented with a beautiful veil.

The whole look stood out for the sobriety, so in the makeup they wanted to risk a little more. Smoky eyes in earth tones and blacks, porcelain skin with marked rouge and lips in peach tone.

What do you think about this new dress? You are more of dresses of pure lines or XXL volume like a wedding dress that is pure poetry.

Passbook for the wedding

Craft materials:

  • Passbook with engraving
  • red mini hearts made of paper
  • Blue Gift Ribbon (10 mm)
  • Gift ribbon white gold (25 mm)
  • craft glue
  • scissors

That’s how it’s done:

  1. Decorate the front of the passbook by attaching the mini hearts with the craft glue singly on the wood. How many hearts you use is up to you. Orient yourself at the picture shown.
  2. Use a pair of scissors to cut off approx. 18 cm of the 25 mm wide gift ribbon. From the 10 mm band you need about 16 cm.
  3. Attach the two straps by attaching them with the adhesive in the top left corner of the book cover so that they hang out of the book like a bookmark.
  4. Finally, the hanging ends of the bands are cut off even more beautifying.

Money Gift: Mobile to the Wedding

Craft materials:

  • Box nature
  • Envelope nature
  • Folded card nature
  • satin ribbons

This is how the present looks packed.

  • decorative paper
  • Nature tape
  • decorative ribbon
  • small flowers
  • small card tags
  • bills


  • Glue
  • scissors
  • Scotch tape
  • Thread and needle
  • Fine black pencil
  • Handicraft instructions for banknotes, eg hearts and butterflies
  • Selected cursive as a template
  • possibly filling material, eg tissue paper

Instructions :

  1. First, the box is decorated. Just indicate where the flowers, the font and the small card pendant should be. Draw the writing on the box with the template. You can also prescribe the font first with a pencil and trace it with the fine pen. Fix the flowers and the card tag along with Tesafilm.
  2. Now after crafting templates butterflies and hearts tinker.
  3. For the card and the envelope, cut a strip of decorative paper and stick it onto the lower part. Best something neutral, otherwise the font is no longer effective.
  4. Glue a satin ribbon on the edge between paper and card / envelope to make the paper look more rounded. The envelope gets a deco bow in the middle and the card a folded butterfly from a banknote, which is fixed with some Tesafilm.
  5. Next, with the template again sketch the fonts with pencil and then draw with the fine pen. Make sure that the position is correct.
  6. Then connect the folded bills to the envelope with the help of a needle with a thin thread. Make sure that the bills are spread over the entire area and that the bottom side of the paper is punctured. Cut the threads of the bills to different lengths.
  7. Now provide the card with text or slogan. Fill the box with filling material. Then carefully place the card in the envelope and place it in the box. Make sure that the bills do not get tangled. Close the box and wrap once with decorative ribbon and natural ribbon and tie a bow.

Invitation card for the wedding with lettering

Craft materials:

  • Folded card, natural
  • thin fine liner, silver
  • Insertion sheet, cream (rectangular, slightly smaller than the folding card)
  • Sticker in heart shape, nature and silver
  • Dekorkordel, cream (4 mm)
  • scissors
  • craft glue

How to do it:

  1. Stick the insert in the center of the card.
  2. Place the card upright and write with the thin fine liner “Yes” on the lower part of the card.
  3. Stick the stickers in the upper right corner.
  4. Finally, put the cord around the card and tie a nice bow.

Hometown Dessert

Related imageApple pie is certainly the most symbolic of American desserts, but it is far from being our only sweet icon. Travel around the United States and you’ll discover a wide-ranging, colorful map of regional desserts. These timeless, alluring recipes might include a shoofly pie found at a tiny restaurant — a roadside stand, even — along a quiet byway in Pennsylvania, the spicy stack cake encountered at a friend’s home in the hills of Kentucky, or a warm cranberry duff on the table as you come in from a cold New England night.

We describe these sweets as “hometown” because they reconnect us with memories of cherished places and people. Their rustic goodness also conjures images of domestic life in the small towns of old-time America: blue-tinted Mason jars, butter paddles, seasoned pie tins.

Embrace a family of delicious sweets that boast ties to American places and traditions.

Classic Shaker Lemon Tarts
Four-Layer Appalachian Stack Cake
Louisiana Bread Pudding with Whiskey Sauce
Southern Black Bottom Pie
New England Cranberry Duff
Pennsylvania Dutch Shoofly Pie

These Vintage Dessert Booklets Inspired an Entire Cookbook

When she popped into a nondescript antiques store in Brooklyn, after dropping her son off for art class, Jessie Sheehan had no idea she’d discover the inspiration for her first solo cookbook: a trove of vintage baking booklets. The former lawyer had begun working at a popular local sweets shop called Baked, famous for its layer cakes and cinnamon buns, and she had “had old-school comfort desserts on the brain,” she says. The booklets’ whimsical illustrations caught her eye but then the recipes captured her imagination.

“It was fun to see where the desserts I was learning to make had their beginnings,” Sheehan says. She honed her skills by making recipes from the booklets—and then started tweaking them. It proved to be a great starting point. “I found many of the recipes [in them] to be really foolproof,” she says. “Some of them lacked a little flavor or a little salt or needed to be spiffed up a bit, but in general what I love about them is that it feels like you’re making something your grandmother would have made, the way she would have made it.”

The result of those experimentations is Sheehan’s new cookbook, “The Vintage Baker,” filled with fresh, modern versions of the vintage desserts she found in her collection. Along with midcentury-style illustrations and photographs, the book features the covers of many of her booklets—she now has close to 200 of them—right next to the recipes they inspired.

The style of booklet Sheehan collects was produced from the late 1800s through the 1960s and 1970s. They were distributed with baking ingredients, such as baking powder, flour, cocoa, even marshmallows, and, later on, kitchen equipment like stand mixers. Brands like Hershey’s, Crisco, Nestle, Jell-O, and more appear on their covers. Their messages shifted with the times, so that they now read like little time capsules: Booklets produced during the Great Depression emphasize thriftiness and ingenuity; later ones, from the 1940s and 1950s—what Sheehan in her cookbook’s introduction calls “the salad days of the housewife”—call out their recipes’ convenience, glamour, and husband-pleasing qualities.

She has found that antiques shops and online retailers sell booklets like these for about $10 to $12 on average. Those in poorer condition may cost as little as $3, while older ones in great condition can go for as much as $20. Sheehan found many of hers at Bonnie Slotnick Cookbooks, a vintage cookbook shop in Manhattan’s East Village.

Sheehan got the idea for her Peanut Butter Custard Pie with Marshmallow Whipped Cream from the Baker’s booklet. Meanwhile, the Runkel’s one, among her oldest, inspired her Chocolate Molasses Crinkles—“People don’t realize how yummy chocolate and molasses are together,” she says, “but it’s a great combo.” The Domino sugar booklet inspired her Cinnamon Red Hots Popcorn. But sometimes all it takes for a booklet to join her collection is a great cover: “I just love her very sweet face,” she says of “New Talks About Jell-O” and its cover girl. “She’s like the Mona Lisa of the Jell-O booklets.”

“I love this cover,” says Sheehan says of the Hamilton Beach booklet, in which she found a favorite recipe for Lady Baltimore cake. “I love how glamorous this woman looks, I love her apron, I love that chocolate cake with the pink roses on it.” She also loves the pink cover of “Learn to Bake You’ll Love It,” a Swans Down cake-flour booklet that features a delicacy called an Angel Food Dream: “It’s an angel food cake that you slice in half horizontally and fill with brown-sugar whipped cream,” she explains. “I found angel food cakes in so many of my booklets, so I was certain I wanted to feature one.” For her own version, she added blueberries to the whipped cream.

Colorful Pasta-and-Leaf Leis

Give “aloha!” an autumnal twist: Embellish string necklaces with paper leaves (cut out a big pile with a craft punch) and colorful organic pasta.



Butcher paper

Leaf-shape paper punches (Pictured: Punch Bunch Mega Giant punches, in Maple Leaf and Oak Leaf, $24 each,

Dried pasta shapes, in rainbow colors

Bakers’ twine

Craft glue



Cut leaves out of butcher paper with punches. Show kids how to sandwich twine between two leaves with glue, and thread twine through pasta or secure it with knots to create necklaces.