I am not clear about what your question is, but bottom line, if you have the money you need to pay your past due student loan debt, then contact the lender/s and make arrangements to pay it. Given that the debt is past due you will be obligated to pay late fees and interest on the debt.
It is important that you pay your past due student loan debt because it is damaging your credit history. Also assuming it is federally-guaranteed student loan debt, the federal government can intercept your federal tax returns to collect the money you owe and you cannot use bankruptcy to wipe out the debt.
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