Do you have trouble making your monthly payments?
yes
You should contact your loan manager immediately. Your loan manager can help you understand your options.
ok but If my federal student loan is delinquent, what should I do?
You should consult the Student Loan Debt Collection Assistant, which was developed by the US Department of Education in collaboration with the Office of Consumer Financial Protection. The tool provides information on how to access the full range of special payment options available to you.
ok I understand and can I simplify the refund with the consolidation?
Yes You may want to combine your multiple federal student loans into a single direct consolidation loan to simplify repayment. There may be trade-offs, so understand the advantages and potential disadvantages of consolidation before submitting the application
Loans, unlike most grants, scholarships or study and work funds, must be repaid under what conditions?
The first thing you should know is that before you owe from the Office of the Consumer Financial Protection is Read your promissory note.
and what is your promissory note?