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Delinquency and Default

If you fail to make a payment, the government will send you a reminder that your payment is late. If your account remains delinquent, the government will send you warning notices reminding you of your obligation to repay your loan and the consequences of default. Late fees may be added if your payments are late Cheap Ryan Smith Jersey , and your delinquency will be reported to one or more national credit bureaus. Default occurs when you become 270 days delinquent in making payments on your loan.

If you default:
The entire unpaid amount of your loan becomes due and payable.
We will report your default to national credit bureaus.
We may sue you, or take all or part of your federal tax refund or other federal payments, or garnish your wages so that your employer is required to send us part of your salary to pay off your loan, or use a combination of these actions.
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Staying out of default
Make sure you take advantage of deferments and forbearances when you need them. A deferment is a temporary suspension of your monthly loan payment. There are many different
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