yeah so idk what to do about my student loans

I've been ignoring them for a decade and they kept going into forbearance and shit so it just kept being something I could avoid thinking about, but now they're like "yeah dude you're gonna default tomorrow" and I don't know if I can even pay anything to avoid default

like do I need to pay the current outstanding amount due because that's like $6000 fucking dollars

it says the monthly payment is like 400 something, but I don't know if I can just pay that and avoid default

i guess i'm getting my wages garnished