How do you get over the problem of a defaulted student state (not federal) student loan which affects u from ever getting a federal loan and prevents you from continuing your education in the US until the loan's been paid off even though you haven't gotten your college degree yet.

Strange question, "How do you get over it . . ."

How do you fix it? There are several potential options, including debt management plans (http://www.bankruptcyhelponline.org/2005/10/15/debt-management-plans-%e2%80%93-how-they-can-help-you-get-out-of-debt/) or potentially paying off the loan in a bankruptcy (http://www.directlex.com/articles/2005/11/10/bankruptcy-tips-and-helpful-alternatives/).

To answer the question, "How do you get over it . . ." you just do. You get past it and you don't let it hold you back.