He would need to find out what type of loans they are. The default process in which the rehab is needed is started at 270 days past due for federal loans and I believe 120 days past due for private loans. If they are not that far out past due then it’s just in collections. Hopefully they are federal and if they are just have him ask for a forbearance. It won’t remove the delinquency tho if it’s been reported but it will roll the past due amount and interest into principal balance which will make it higher and it is a quick way to bring the account current if he doesn’t have the funds. Some servicers process it over the phone.