Borrowers in default could have paid off their entire balances voluntarily through a lump sum or multiple payments or involuntarily through wage garnishment, tax refund offset, or the withholding of federal benefits. Research examining students who entered school in 2003–04 shows that 39 percent of borrowers exited default through rehabilitation, 16 percent through consolidation, 41 percent through full payoff, and 4 percent through discharge. For more information, see: https://www.aei.org/wp-content/uploads/2018/08/Federal-Student-Loan-Defaults.pdf?x91208. Numbers may not add to 100 percent due to rounding.