diff --git a/config/default.go b/config/default.go
index a59be9fc..e67f9051 100644
--- a/config/default.go
+++ b/config/default.go
@@ -173,6 +173,12 @@ func (c *defaultConfig) fillValues(ctx context.Context, valueOf reflect.Value) e
 			continue
 		}
 		switch value.Kind() {
+		case reflect.Struct:
+			value.Set(reflect.Indirect(reflect.New(value.Type())))
+			if err := c.fillValues(ctx, value); err != nil {
+				return err
+			}
+			continue
 		case reflect.Ptr:
 			if value.IsNil() {
 				if value.Type().Elem().Kind() != reflect.Struct {
diff --git a/config/default_test.go b/config/default_test.go
index 8bdfc5bb..cc1dfaa1 100644
--- a/config/default_test.go
+++ b/config/default_test.go
@@ -11,6 +11,9 @@ import (
 type Cfg struct {
 	StringValue string `default:"string_value"`
 	IntValue    int    `default:"99"`
+	StructValue struct {
+		StringValue string `default:"string_value"`
+	}
 }
 
 func TestDefault(t *testing.T) {
@@ -50,7 +53,7 @@ func TestDefault(t *testing.T) {
 		t.Fatal(err)
 	}
 
-	if conf.StringValue != "string_value" || conf.IntValue != 99 {
+	if conf.StringValue != "string_value" || conf.IntValue != 99 || conf.StructValue.StringValue != "string_value" {
 		t.Fatalf("load failed: %#+v", conf)
 	}
 
@@ -63,4 +66,5 @@ func TestDefault(t *testing.T) {
 		t.Fatal("AfterLoad option not working")
 	}
 
+	t.Logf("%#+v\n", conf)
 }