Loans are available for everything nowadays, be it for buying a house, a car or for pursuing your dream academic career. Taking a loan is very easy and with things made easy, the insurance companies give loans to candidates without much hassle. But the problem starts while making the loan repayments. This is a very common problem particularly with student loans. The rates of defaulted student loan are increasing day by day and had become a persistent problem in the USA. When the things went out of control, the US government became strict and implemented rules and regulations, where defaulters were given punishments and had to bear penalties for the same. USA offers federal student loans as well as private student loans to students for pursuing education. The concept of delinquent student loan is applicable only in the case of federal student loans. In case of private student loans, it directly becomes a defaulted student loan. In case of federal student loans, the government gives ample opportunities to the candidates to make the loan repayments. This is done with the help of delinquent student loan. In case of federal student loans, the day you fail to make the repayment for your loan, your loan becomes a delinquent student loan. This period is like a warning or a notice period for the candidate. The state of delinquency is valid for a period of 270 days, which is 9 months. The day the candidate fails to make loan repayments, a warning is sent to him informing of the payment failure. Such notices and warnings are sent all throughout the 9 months. In this stage the loan remains in the category of a delinquent student loan. There are many candidates who ignore these warnings and messages and do not make the loan repayments. After the delinquent student loan period gets over after 9 months, the loan becomes a defaulted student loan. This is a very difficult situation to handle and various kinds of problems crop up with defaulted loan status. In case of private student loans, there is nothing called a delinquent student loan. If you fail to make a loan repayment on time, you loan directly goes into a defaulted student loan status. There is no mercy with companies offering private student loans. In case the problem gets really complicated, there is no option left other than seeking professional defaulted student loan assistance from professionals and experts in the field.