Notes

ICR- income contingent repayments -
*In this your repayments will be calculated on the basis of your income
*IN this your family income is combined and you can make a repayment

*Rehablitation -
* the person have to visit to court with the loan lander
* the court will decide thr specific amount thate customer have to pay

*Consolidation -
*combing 2 or more loans
*if you have multiple loans and we use to combine and make one easy repayment

*Forebarance -
* out of complete loan cycle he /she will get a grace period to pay
* it completely depends on the loan landers
* its not good for long term bcz it is a temporary benfit and this


*may i ask when was the last time you have checked your student AID potral
bcz regarding this we have update you in your potral ?

*AWG - ( adminstrative wage garnishment )
CX- you took my money ?/ took my taxes /taking my checks ?
AG - unfortunately we were not the one who tooked your money ;
may be it would be your loan lander who tooked your money ..

AG- i really apologise that you really face that issue ,
i would like that i have a oppourtunity in my hand & i will
explain you that the moment you submit your taxes to IRS you have
already signed the document that why your lander can take your taxes ;
but let me assure you as a proffesional that you will never face that issue again
and as you will enroll with us you will not face these kind of prblems again as we have
upadte about this in your student aid portal ...

* social security income
*i beleive that you woud be getting a SSI (social security income)
as your income is low the best i can suggest you is we will mention
0 income in your loan file and there is possiblity that your repayments can go low as zero
dollars 0 cents , that would be a qualify repayment .


* TPD ( Temporary and permant disability )

if you have some medicial issue , the you are facing a medical disablity ,
what i can suggest you is you can get yourself enrolled in a income based program
for a year as we will mention zero income in you will get the benefit of foregiveness program
and there is a possibility that you can get a complete or patial foregiveness in your repayment ;
and your repayments can go low as zero dollars zero cents ...,

*Transfer points
1. confirm phone number -
as the customer starts talking just copy the phone no from dial pad
and check if it is registered or not ...

2. how to take aleternate email ?

we have to ask what is the registered email id that you have given to the deparment of eucation ;
have anyone from your family or riends have helped you to make your FSA account ...?