BRJ003

Hello, everyone. I am currently enrolled in a nursing program, doing well and cannot wait to become a nurse! Few years ago I went to another college and never graduated (majored in something other than nursing), and the only thing I got out of it was student loans. For many reasons (they aren't important, please don't tell me how irresponsible it is etc) I defaulted on them. Some were federal, some private. I am currently paying some of them on my own, but some are garnishing my wages. Long story short, I was looking at Nclex paperwork and noticed that it asked about federal loans and if any of them are currently defaulted etc. So I started googling and found that in Texas for example graduates can't get a licence if they have defaulted on a federal loan. However, I got mixed information about other states (I live in NY state), does it mean that I will not be able to take Nclex and get licensed? What can I do to ensure this doesn't happen? (I have a year to graduation)... is it enough that I'm repaying the loan or does it have to be completely paid off? I don't know what I would do if I am going to school for nothing and was unable to become an RN. That would be devastating to say the least. Thanks for your advice and replies!