<p>Has your son contacted his loan servicer? Do you know who his servicer is? The borrower services departments for the servicers are great (except for one … and if he has that one, I will give you different advice). He should be able to get on an Income Based Repayment plan. He would need to make one payment, I think, first - maybe you could help with that? But the servicer will explain it all. You can look here for some good general info: <a href=“http://fedloanservicing.com/manage-account/about-your-account/default-delinquency.shtml[/url]”>http://fedloanservicing.com/manage-account/about-your-account/default-delinquency.shtml</a>.</p>