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    1. If your loans are still with Nelnet (haven’t been transferred to Default Resolution Group yet) then call Nelnet IMMEDIATELY and ask for a retroactive forbearance to bring your account current. Consider an IDR plan for payment. But if they have already transferred then these are your options for getting out of default:[https://studentaid.gov/manage-loans/default/get-out](https://studentaid.gov/manage-loans/default/get-out)

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