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If you choose to cancel, the money you received will have to be returned, but no interest or fees will be charged.

Our team at Student Loan Hero works hard to find and recommend products and services that we believe are of high quality and will make a positive impact in your life.

You may be able to change your repayment plan to one that will allow you to have a longer repayment period or to one that is based on your income.

Also ask your loan servicer about your options for a deferment or forbearance or loan consolidation.

If you want to ensure that your loan is paid off faster, tell your loan servicer that the extra you pay is not intended to be put toward future payments.

Top Contact your loan servicer as soon as possible.

Your loan servicer will most likely be the school you were attending when you received the loan, but in some cases, the school will have a separate organization handle the billing and other services for your Perkins Loan.

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What should I do if I’m having trouble making my loan payment?The lender could be a bank, credit union, or other lending institution.Your lender will provide you with information about your repayment terms and your repayment start date.We sometimes earn a sales commission or advertising fee when recommending various products and services to you.Similar to when you are being sold any product or service, be sure to read the fine print understand what you are buying, and consult a licensed professional if you have any concerns.You can make payments before they are due or pay more than the amount due each month.Paying a little extra each month can reduce the interest you pay and reduce your total cost of your loan over time. You don’t have to begin repaying most federal student loans until after you leave college or drop below half-time enrollment. Loans can’t be canceled because you didn’t get the education or job you expected, and they can’t be canceled because you didn’t complete your education (unless you couldn’t complete your education because your school closed). Understanding the details of repayment can save you time and money. However, PLUS loans enter repayment once your loan is fully disbursed (paid out).Find out when repayment starts, how to make your payment, repayment plan options, what to do if you have trouble making payments, and more! Your must provide you with a loan repayment schedule that states when your first payment is due, the number and frequency of payments, and the amount of each payment.


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