Helpful Repayment Tips

• DON'T DEFAULT!
• Read all mail.
• Keep a file of all your student loan documents.
• • Keep copies of your promissory note(s), disclosure statements, and paid-in-full notices.
  • Keep copies of all correspondence and mailing receipts.
  • Keep detailed notes of all conversations you have with your loan holder.
• Know your Rights and Responsibilities.
• Communicate with your Servicer.  The Servicer is the agency that actually collects your loan payments.  They may not always be the lender you initially borrowed from.  For example, Sallie Mae is a servicer, and Citizens Bank is a lender.
• • Put your loan ID number on all correspondence.
  • Report changes in enrollment status, permanent home address, name, or anything else required.
  • If you have financial hardship call to ask for help. 
• Call Your Lender with any question or comments relevant to your loan.