Millions of student-loan borrowers in default are at risk of wage garnishment this summer if they don't make payment plans.

You can head off issues related to consolidation loans by being honest with yourself about how you deal with money and by taking steps to get out -- and stay out -- of debt.

A reference to consolidation in the Commentary for Section ... it is important to consider constructibility problems related to congestion of reinforcement. The design should be such that all ...