Thursday, January 27, 2011

Checklist for Maintaining Consolidation Benefits

✓ Make all payments on time.

✓ Call your servicer when you can’t afford your payments to get a
temporary payment reprieve.

✓ Let your servicer know when you are returning to school and file
the appropriate paperwork.

✓ Be proactive and contact your servicer if you miss a payment to
reduce the chance of permanently losing your benefits.

✓ Don’t start making extra payments on this type of loan until you’ve
earned your benefits. Your payments to earn your benefit are
counted by a computer, and thus could get confused by payments
not made within the grace period or extra amounts added
to your regular payments.

✓ Once your benefits are earned and irrevocable, that is the time to
make extra payments on your loans.

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