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To meet the responsibility of paying back your student loan, you need to avoid two things: delinquency and default.
Delinquencies are late payments. A payment is late if the lender or the servicer has not received it by the day after the due date.
Why should you care?
Delinquencies can cost you extra money and can affect your credit history for years.
Default is falling behind on your scheduled payments over an extended period — usually 270 days or more. Being in default means that you have violated your loan agreement, and the lender or servicer can request immediate payment in full.
Why should you care?
Under certain circumstances, federal and state laws require guarantors like TG to: