If your student loans are delinquent, it means that you have fallen behind on your payments.
You might have to make a late payment once in a while. Before you do, remember that delinquency has serious consequences. Before they affect you, take advantage of your options.
To see how paying less or postponing payments would affect you, use our student loan tools.
If you don’t make a payment for 270 days, your loan will default. Delinquency is stressful, but default is worse. It is expensive and damages your credit, so you should avoid it no matter what.
You might miss a payment if you don’t receive your bill. Make sure your servicer has your current address—especially if you have moved recently. Remember, you are expected to make payments even if you do not receive a bill or repayment notice.