YOUR CUSTOM PLAN

Based on your answers, here are smart options you can explore. Talk to your loan servicer about what will work best for you; you may be able to combine several options to best fit your individual needs.

  • POSSIBLE SHORT-TERM OPTION(S) TO TALK ABOUT WITH YOUR SERVICER

    You may be eligible for the following options. Discuss these with your servicer:

    Consider extending forbearance until able to start payments or reviewing long-term options
    Forbearance is a general postponement of payments that will place an account in good standing even if full payments are not made. Interest accrues during forbearance, and may capitalize if not paid.
  • CONTACT YOUR SERVICER(S) FOR HELP IN MANAGING YOUR LOANS LONG-TERM

    You may be eligible for the following options. Discuss these with your servicer:

    Continue regular payments as soon as possible
    Contact your servicer to continue regular payments and explore further options.
  • TALK TO YOUR SERVICER(S) ABOUT FORBEARANCE TO BRING YOUR ACCOUNT UP-TO-DATE, IF NEEDED
  • KEEP THE LINES OF COMMUNICATION OPEN WITH YOUR SERVICER(S) AND FOLLOW UP ON ANY REQUESTS

    After sending paperwork, call your servicer 5 business days later to confirm that they received it and that it is complete and legible. Call again weekly until they confirm approval. Keep in mind that a FAX confirmation shows that your FAX machine sent the documents, but not that the documents have actually been received.

  • Next Steps

    Contact your servicer(s) about these options.

  • REMINDERS
    ACTION DATE EVENT
    		01/17/2025 Submit Application/Payment
    		01/22/2025 Confirm Application/Payment Received by Servicer
    		01/29/2025 Confirm Application/Payment Processed by Servicer
    		04/15/2025 Confirm Plan is Working or Revisit Questions
    		Sign up for all email reminders
    		Export all calendar events

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