Members’ are allowed 4 Skips during the term of the loan and they can initiate it any time of the year according to their convenience. However a loan can only be skipped 2 times consecutively. There will be a wait time of 120 before the next Skip can be initialized. Each loan will have to be skipped one-at-a-time. For each skip you will receive a separate confirmation page and unique code and a confirmation email.