The point when a loan is considered to be in default varies depending on the type of loan you received. (studentaid.ed.gov)
The loan type (depending on when you went to school and what loan programs your school participated in, you may have loans from different federal student loan programs; the types of loans you received can affect what benefits are available to you) (studentaid.ed.gov)
Your payment amounts will depend on the types of loans you receive and the interest rates and the repayment terms on those loans. (studentloancoach.info)