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Christy Arkovic, a Tampa, Florida student loan attorney, discusses the Borrower Defense Program, emphasizing the importance of meeting the November 3 deadline to be part of a settlement. Whether loans are Federal or Direct, they can be eligible for the settlement if an application is filed. However, it may be beneficial to consolidate to a Direct Loan, especially if loans are in default or if there are issues with credit history. Consolidating can help address defaulting and ensure a smoother loan repayment process.