You can know if your student loan is in default by several indicators:

• For federal student loans, default typically occurs if you have not made a payment for more than 270 days (about 9 months)

. For private student loans, default usually happens after missing 3 monthly payments or about 90 days, though it varies by lender

• Your loan servicer or lender will notify you if your loan becomes delinquent (past due) and later if it enters default. Notifications may come via mail, phone calls, or emails

• Once in default, your loan status will be reported on your credit reports as a negative mark. You can check your credit report through the three major credit bureaus (Equifax, Experian, TransUnion) at AnnualCreditReport.com to see if your loans are listed as defaulted

• For federal loans, you can log into your account at StudentAid.gov using your FSA ID to view your loan status. If your loans are marked as "defaulted" or held by a collection agency, they are in default

• Additional signs of default include receiving calls from debt collectors, wage garnishment notices, or withheld tax refunds and Social Security benefits (for federal loans)

In summary, to confirm if your student loan is in default:

• Check if you have missed payments for 270+ days (federal) or 90+ days (private).
• Look for official notifications from your loan servicer.
• Review your credit reports for default listings.
• Check your loan status online at StudentAid.gov for federal loans.

These steps will help you determine if your student loan is in default and allow you to take action accordingly