DIRECT STUDENT LOAN

Also, Do debt consolidation companies include federal educational loans into the consolidation?
If you have a federal student loan, and the loan company offered a 1800 # for a consolidation company to take the loan and pay it?

I have a direct loans from the government and I have heard that you can get your loans forgiven if you work at a nonprofit organization. Is this true? Where can I find more information about this? Does it only work with certain nonprofit organizations?

How long does it take to get your refund of the remainder left of your student loan after the school takes out for tuition?

My mom had a stroke in 2007 and only make 15,000 dollars by getting her retirement money early in 2008. She has a student loan in default and I was just wondering if I could call the company so they won’t garnish my mom’s tax return. She will have no income this year so she really needs her tax return.