If you have missed several payments, you may be in imminent danger of having your wages, Social Security funds, or taxes garnished by the federal government. Federal loan servicers are not required to go to court prior to seizing your checks. They can do it through an administrative action. This means they just ask to have your income attached and they are granted it. You may or may not receive notice of this action. Your paycheck will just start being lower. If you are employed, your employer is required to deduct the amount out of your paycheck. You cannot discharge a default or garnishment in bankruptcy except for very specific circumstances.
Fix the default now. You do not have time to waste! By acting immediately you can resolve the situation and get on a more affordable plan before the garnishment occurs.