• Repayment.
• Loan-repayment options.
• Deferments.
• Forbearance.
• Cancellation.
• Delinquency.
• Default.
• Keeping the lender informed.
• Student rights and responsibilities.
• Financial planning and debt management.
• Consequences of delinquency and default.

If you have any feedback or would like to add your best practices to this manual, please contact the Debt-Management Team consultant for your state.