Welcome to the forums!
I would start by checking out the Student Loans forum, & seeing how other people got started. They may have the same companies that you owe money to, which would be even more helpful to you!
I don't know how rehab works, but I would just start by contacting my original lender, & seeing what they say.
For the federal loan, I would check the National Student Loan Database. That'll tell you which agency is handing the defaulted loan now.
For the private loan, that could be trickier. I don't have any private loans, but there I'd probably start with the original lender.
Ok I will contact my citi bank original private loan , thanks. Once I contact them n make arrangements would would happen to the ca for it which is nyshe then transfered another company ?
First, see if they are WILLING to make arrangements with you. They may just tell you that you're stuck working with the CA.