Student loans in collection
Have you talked to a hard money lender? Can you borrow the funds from a friend or relative?
This is probably not what you want to hear but if you have not been able to afford even the minimum on your student loan payments you are not in a financial situation to buy real estate.
It may be more useful to either increase your income, create a monthly budget that allows u to pay all of your bills and increase your savings, and/or sell any cars with loan payments and buy a beater car. If you are able to follow some of these suggestions you will be in a better financial position to afford real estate.
If you can't afford the minimum payments on your current loans you are setting yourself up for disaster taking on additional risks:
Learn how to attract and engage private lenders. They only look at the deal, not your credit. Also, explore credit partners who can help you put deals together.
Never use your own money or credit, unless you're only doing REI as a hobby and not a business.
I would also advise that you're in a position to handle additional debt and or hard money loans related to real estate.
I'm not sure the situation regarding how the loans went into default - it's just easy to ruin your reputation with hard money lenders if you default on them or have a deal go south. Just make sure you're prepared and educated before signing on the dotted line.