I'm having trouble making the payments on a loan
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So you are having trouble making your monthly payments?
yes
You can contact your loan servicer and they can help you understand your options
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any advice I could have used before getting the loan?
You should fully understand your loan agreement and the type of loan you are receiving
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can I combine loans to get better payments?
Yes, you can combine your multiple federal student loans into a single Direct Consolidation Loan to simplify repayment.
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what can I do to avoid default?
You need to fully understand your loan agreement and the types of loans you are receiving. Don't borrow more than you need or more than you expect to be able to repay.
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what happens after I miss a payment or two?
Your loan will be delinquent and late fees may be assessed. Even if you are delinquent on your loan, you may still be able to avoid default, so it’s important that you contact your loan servicer immediately.
