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<p>I think the best thing that he could do is try to repay the loan, not get a new one. This might mean getting any job, even if it is minimum wages. It is much easier to find a better job, when you already have (even not so good) one.</p>
<p>I am wondering why he is in default instead of using forbearance or deferral option? Did he run out of this option?</p>