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• RepaymentRepayment PlansPostponing RepaymentGrace PeriodsDefermentsForbearanceSpecial Programs for Military • Loan CancellationProblems with Your SchoolClosed SchoolFalse CertificationUnpaid RefundDisability and DeathCareer RelatedOther CancellationsState Student Tuition Recovery Funds • Default and DelinquencyRehabilitation and ConsolidationCompromise & Settlement • Student Loans & Bankruptcy • CollectionsCredit Scores & Student LoansCollection Agencies & Your RightsCollection FeesGovernment Collection ToolsTax Refund OffsetsAdministrative Wage GarnishmentsFederal Benefits OffsetsLicense RevocationsLawsuitsPrivate Loan Collections • Policy & Legal IssuesArchived Comments & Testimony • Where to Go for Help • Glossary • About UsDeanne Loonin • Disclaimer • Contact Us • Facts • Search this site • Voices • Get email updates