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Usually it takes 180 days (6 months) for a federal student loan to go into default. If your loan is through a private company, their rules may be different but 30 days past due is not going to put you in default. You can call your loan company, let them know what is going on and that you plan to pay in 3 weeks. That way, you'll feel better about the situation and the loan company knows what's going on. If you are on disability, you can also apply to have your loans deferred and then you possibly won't have to pay any payments until you head back to work.
Hope that helps!