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hello uh Christy arkovic I am a Florida Tampa Florida student loan attorney and I wanted to do a short video on some follow-up with the borrow defense program and specifically whether someone needs to consolidate to a direct loan um first of all if you are if you have already filed um of our own defense application or as long as you meet the deadline by November 3 thats the deadline to be considered a post-class member of this big settlement Suite versus cardano so if youve already filed an app or you plan to by November 3 then your loans regardless of whether theyre fail or direct will be eligible for that settlement however there are many instances where you may want to consider consolidating to a direct loan if you have a fell loan number one um if your lungs are in default uh if a defaults being reported on your credit history or if its going to reappear if the Fresh Start takes it off temporarily but puts it back on why not go ahead and consolidate your loan default so that
