A defaulted Title IV loan is considered rehabilitated once the borrower makes how many full voluntary on-time payments within how many consecutive months?

A defaulted Title IV loan is considered rehabilitated when a borrower makes nine full, voluntary, on-time payments within ten consecutive months. This process is essential because it provides borrowers with a path to regain good standing on their loans and can positively affect their credit history.

The requirement for nine payments ensures that borrowers demonstrate a consistent ability to manage their loan obligations over a reasonable duration. The ten-month time frame establishes a clear timeline during which this positive payment behavior occurs, allowing for a structured approach to rehabilitation.

In contrast to other options, the specific combination of nine payments over ten months aligns with the regulations governing Title IV loans, ensuring a standard for successful rehabilitation. By meeting these criteria, borrowers not only work towards restoring their creditworthiness but also can regain eligibility for federal student aid, facilitating their access to further education opportunities.