Life Circumstance Suspension Text goes here. Final text TBD.
If you elect to sign up for KwikPay, the Monthly Auto-Debit Amount is how much your monthly payments are on each of your accounts and what your total monthly payment will be. This payment will be deducted each month from your checking or savings account. If you would like to pay more each month, enter the extra amount you wish to pay in the “Additional Amount” box, and your new monthly payment total will be reflected in the Subtotal box.
This section shows all of the checking or savings account information you have stored on Manage My Account. You can use any of your stored bank account information to make an online payment or to pull automatic payments through KwikPay.
An electronic signature takes the place of your physical signature on paper. We collect your name and your Manage My Account password in place of a signature on paper, and the use of your Manage My Account password is your authorization for the request. Submitting an electronic signature makes processing faster for your request.
This is your Manage My Account password and is used in the electronic signature to verify your identity.
Your routing number is the first nine digits in the bottom left corner of your check.
Routing Number Image
Your account number is the series of digits to the right of the routing number on the bottom of your check.
Account Number Image
The name on account is your name as it appears on your bank account.
Your account nickname is the name you choose to save your bank information in Manage My Account for future use.
Widgets are small web parts that you can add to your account summary page. Widgets allow you to customize your Manage My Account home page to make it more like a “dashboard” of items that you wish to have in a quick view. Click “add widgets” to browse our widget library (new items are added often), and if you wish to remove a widget from your home page, click the “x” icon in the upper-right corner of the widget. You can drag and drop widgets in the area below your account details so they are ordered in a way that is ideal for you.
When you borrow money for school, generally it isn’t in the form of just “one” loan, but rather many small loans—for different semesters or school periods. We “group” your loans with similar characteristics (e.g. same interest rate, same lender, etc.) to streamline how you view your loans on Manage My Account and on your monthly statements. We have summarized all of your loan groups in the “Account Snapshot” view on your home page. Note: to view individual loans that make up each loan group, access the loan benefits and details page.
Your Adjusted Gross Income can be found on your federal 1040 tax form.
Gross monthly income is your pre-tax income.
Family size may include you, a spouse, and any dependents.
Other student loans would include all federal student loans not serviced by us in your or your spouse’s name.

FFELP Loans: Federal Family Education Loan Program (FFELP) loans were funded by private lending institutions before July 1, 2010. Private lending institutions no longer provide federal student loans, as they are all funded by the federal government directly through the Federal Direct Loan Program (FDLP). You may have either or both types of student loans. Select a repayment plan for your FFELP loans if you wish to make a change to your FFELP loan repayment plan.

On this “Lower My Payments” page, we list your loans under the heading FFELP or FDLP Loans because each loan program has different repayment plans you may be eligible for. Note: If you see two separate groupings of loans, you have some FFELP loans and some FDLP loans.

FDLP Loans: Federal Direct Loan Program (FDLP) loans are funded by the federal government. Select a repayment plan for your FDLP loans if you wish to make a change to your FDLP loan repayment plan.

We list your loans on this page under the heading FDLP or FFELP (Federal Family Education Loan Program) Loans because each loan program has different repayment plans you may be eligible for.

Note: If you see two separate groupings of loans, you have some FFELP loans and some FDLP loans.

This plan has set scheduled monthly payments for the life of the loan.

Advantages Disadvantages

This plan sets low monthly payments that gradually increase every two years.

Advantages Disadvantages

If you meet the qualification requirements, a Standard or Graduated plan can be set up with the difference being that the repayment term will be up to 25 years.

Advantages Disadvantages

If you meet the qualification requirements, a Standard or Graduated plan can be set up with the difference being that the repayment term will be up to 25 years.

Advantages Disadvantages

If you meet the qualification requirements, your monthly payment amount is based on your gross monthly income.

Advantages Disadvantages
Instructions for Renewing Your Income-Driven Repayment Plan

You are not yet required to complete the annual renewal process of your income-driven repayment plan. However, if your income or family size has changed, you may request that we re-evaluate your monthly payment amount by following the instructions below. Otherwise, please wait until we inform you that it’s time to renew your income-driven repayment plan to complete the process.

To recalculate the monthly payment amount on your income-driven repayment plan:

Log in to Studentloans.gov with your PIN. Verify that your personal information is up to date, and follow the prompts to complete your application and have it sent to us.
Instructions for Renewing Your Income-Driven Repayment Plan

The annual process of renewing the monthly payment amount on your income-driven repayment plan is simple, and will only take a few minutes.

To renew income-driven repayment plan:

Log in to Studentloans.gov with your PIN. Verify that your personal information is up to date, and follow the prompts to complete your application and have it sent to us.

Important: Please continue making your monthly payments as indicated by the amount due on your statement. Your statement will always reflect your current amount due. If you apply after the renewal deadline has passed, your monthly payment may increase during the time it takes for us to update your future monthly payment amounts.

Your monthly payment amount is based on a formula that uses your Adjusted Gross Income, total indebtedness, and family size. Any balance remaining after 25 years on an IBR plan is forgiven.

Advantages Disadvantages

Your monthly payment is calculated based on your Adjusted Gross Income (and your spouse’s Adjusted Gross Income if you are married and filed a joint return or request joint repayment), family size, and the total amount of your outstanding eligible Direct Loans.

Advantages Disadvantages

Under a general forbearance agreement, an agreement can be made for you to make lower payments than what would otherwise be required under your repayment plan.

Advantages Disadvantages

Your monthly payment is calculated based on your Adjusted Gross Income, family size, and the outstanding principal balance on eligible student loans.

Advantages Disadvantages
  1. What do the fields in the “Balance Information” section mean?
    1. Principal Balance
      1. This is the amount of the loan that you still owe. This amount does not include any interest that has accrued on your account.
    2. Accrued Interest
      1. Interest is the cost you incur for borrowing money. Interest is calculated on a student loan daily using the simple interest method. The formula for calculating your daily interest is: Principal Balance x Interest Rate /(365.25).

        The amount of interest charged daily is added up and displayed in the “Accrued Interest” field. This is the amount of daily interest that has built up on your account since you last made a payment. When you make your next payment, you must pay the accrued interest before your payment will be applied to your principal balance.
    3. Fees
      1. Some lenders charge fees when an account is paid late (after the due date), and some lenders charge additional fees when a payment is presented with nonsufficient funds, or sent with foreign currency. If you see an amount listed in the “Fees” field, your next payment must first cover this amount before the remaining portion of your payment can be applied to your accrued interest or principal balance.
    4. Outstanding Balance
      1. The outstanding balance is the amount of principal, accrued interest, and any fees you owe. This amount is what would be required to pay your loan in full today. Sometimes this is referred to as your payoff amount.
    5. Interest Rate?
      1. The interest rate is what determines how much interest you will pay over the life of your loan. Generally speaking, the lower your interest rate, the less interest you will pay. Your interest rate is set by the federal government. Some interest rates are fixed (meaning they will not change over time) and some are variable (meaning they can be adjusted annually on July 1). Review additional information about interest rates in the help section of your account.
  1. What do the fields in the "Payment Information" section mean?
    1. Next Due Date
      1. This field reflects when your loan’s next payment is due. Make your online payment on or before 4:00 p.m. (Eastern) on your due date to avoid a late payment. If you mail your payment, send your payment before your due date and allow for standard postal delivery time.
    2. Past Due
      1. This field reflects any payment that was not paid by its due date and is still due. Payments received at least one or more days after the due date are considered late (i.e. past due).
    3. Current Amount Due
      1. The Current Amount Due field indicates any payment amounts that are due within the next 30 days. For example, if today is the 1st of the month, and your payment is due on the 28th, we would display your payment amount due on the 28th of the month. We display any amounts due in the next 30 days , because want to keep you informed of upcoming payment amounts.
    4. Pay This Amount
      1. This field displays the payment amount that would be required to satisfy all past due payments (if there are any) and your upcoming payments due within the next 30 days.
    5. Last Payment Received
      1. This field reflects the last payment received on your loan. Note: If you have more than one loan group, and did not specify how your payment should be applied, your payment was processed across all active loan groups, so the total amount of this payment will only reflect the portion applied to the loan listed.
  1. What do the fields in the “Loan Overview” section mean?
    1. Loan Type
      1. When you took out federal loans for school, you borrowed from either the Federal Family Education Loan Program (FFELP; was first disbursed prior to July 1, 2010) or the Federal Direct Loan Program (FDLP). Both loan programs offer the following loan types:
        1. Stafford
        2. PLUS (parent loan)
        3. GradPLUS (parent loan for graduate students)
        4. Consolidation
    2. School Name
      1. This is the school you attened for which the funds for the loan listed were used.
    3. Interest Subsidy
      1. Federal student loans are either subsidized or unsubsidized. Subsidized loans have an interest benefit where the federal government pays the interest on the loans during periods of school enrollment, grace period (6 months following separation from school), and deferment. Unsubsidized loans do not have this benefit, and the borrower is always responsible for the accrued interest.
    4. Original Loan Amount
      1. This is the original amount of the loan as disbursed to your school, and it includes any origination or guarantee charges/fees.
    5. Lender Name
      1. This is the name of the lender that funded your student loan. Lenders can include private organizations such as banks, credit unions, or secondary markets, or they can be public entities such as the U.S. Department of Education. When you make your loan payments, the lender is who receives the funds to pay down the loan.
    6. Capitalized Interest
      1. At certain times during the life of a loan interest is unpaid and added to the loan’s principal balance. This is called capitalization. Interest is capitalized after periods of school enrollment, deferment, and forbearance when interest is accrued and is not paid by the borrower. Interest capitalization can increase the total amount you repay, so it’s always in your best interest to make payments on accruing interest when possible, even when a payment is not due (e.g. during your enrollment in school).
    7. Loan Status
      1. Loans can be in one of several statuses. Common statuses include in-school (when you are enrolled at least half time), grace (during a six-month grace period after separation from school), repayment, deferment, and forbearance.
    8. 1st Disbursement Date
      1. This is the date that the loan was created (i.e. originated) and your lender disbursed (or sent) funds to you or your school. Interest begins accruing on your loan on this date.
    9. Estimated Graduation
      1. This is the date that the school has reported as the date they estimate you will graduate from school. This date may fluctuate during enrollment, as it is based on your school’s enrollment information. If you see an incorrect estimated graduation date, make sure you contact your school to have it updated.
    10. Convert to Repayment
      1. This is the date that your loan officially entered repayment status. If you had a loan with a six-month grace period following your separation from school, this is the day after your grace period ended. Even if you applied for a deferment or forbearance (posponing payments) immediately upon entering repayment, the “Convert to Repayment” date will remain the same.
  1. What do the fields in the “Benefits” section mean?
    1. a. When you take out a loan, sometimes the lender offers borrower benefits or incentives for which you may be eligible it receive (e.g. an interest rate reduction for making auto-debit payments). Review the information in your Benefits section to see if you are eligible for any borrower benefits. Not all lenders offer these incentives, so please review your information carefully.
  1. What do the fields in the “Loan Disbursement Information” section mean?
    1. Loan Period Begin
      1. This is the date of your school attendance for which the loan was first used. This is usually the first day of classes or the beginning of the semester/quarter/trimester.
    2. Loan Period End
      1. This is the date of your school attendance for which the loan was last used. This is usually the last day of the of classes or the end of the semester/quarter/trimester.
    3. Disbursement Dates
      1. These are the dates when funds were disbursed (sent) to you or your school. Disbursement dates are determined by the school and their academic/financial aid calendar.
    4. Disbursement Amounts
      1. These are the amounts of that were disbursed (sent) to you or your school. Disbursement amounts are determined by your school’s financial aid office. Some schools allow for loans to be partially disbursed, meaning that a portion of the funds are loaned at the beginning of the semester/quarter/trimester, and the remaining portion is loaned at the midpoint of the semester/quarter/trimester.
This allows our system to confirm your identity before allowing you access to your online account information. If you log in to this website from a computer you have not designated as a trusted computer, you will be asked to answer one of your three selected security questions.
The image, which you choose, is another layer of security in place on your online account. When the image appears, you can ensure the website is secure to continue with your login process.
If you do not recognize the picture presented, do not enter your password. Please close the session and log in again.
When a computer is selected as a trusted computer, our system associates that computer with the person logging in so that it can quickly recognize the individual and that person can ensure that they are logging in to the legitimate Manage My Account website. A public computer may be shared by multiple people, some of whom you may not know. Therefore, only select a private computer shared by people whom you trust as a trusted computer to ensure your security when online at Manage My Account.
This bar helps you keep track of progress made on paying off your loans. It is for informational purposes only. For exact amounts remaining on your loan account(s), review your “Outstanding Balance” on the Account Summary (or Home) page.
  1. Scheduled payments reflect any one-time payments you have scheduled in Manage My Account. Your KwikPay® (auto-debit) payments are not reflected in this section.
  2. Q: What are "Scheduled Payments?"
  3. A: You can make an online payment from a checking or savings account up to 30 days in the future. If you have made a payment on your account and picked a date in the future, it will appear in your scheduled payments.
  4. Q: Can I cancel a scheduled payment?
  5. A: Yes. Scheduled payments can be canceled until 4:00 p.m. (Eastern) on the date they are scheduled to be processed. The payment will appear in the “Payment History” section below once the funds have been retrieved from your bank account and applied to your loans. Processing your payment can take up to two business days; however, your payment will be made effective (applied to your account) on the day you submitted it.
  6. Q: What if a payment is declined or I choose to cancel it? Where can I find those payments?
  7. A: Cancelled payments will appear in your payment history, and will be marked as “cancelled” in the description field.” Payments that are declined by your bank will be marked as “returned” in the description field.
The payment history is a listing of all payments that have been posted to your student loan account(s). We list them in chronological order by the date of the payment.
  1. Q: Why is a payment I recently made not in my payment history?
  2. A: The payment history section of Manage My Account shows payments that are posted to your student loan. If you recently (within the last two business days) made the payment, you will most likely find it in the scheduled payments section until processing is complete.
  3. Q: Why do you show principal, interest, and fees?
  4. A: These fields show how much of your payment was applied to your interest, fees, and principal balance. This information helps you understand how your payment pays down your loan. If a small portion of your payment is going toward principal, you may want to consider making larger payments to pay your loan down faster.
  5. Q: Can I view how the payment was applied to my individual loan groups?
  6. A: Yes. If you click the payment date link on each payment, a pop-up window breaks down how your payment(s) is applied.
  7. Q: I have a new loan, and I can’t see my recent payment. Where is it?
  8. A: Regulations require that payments made on a new loan (within the first 120 days after loan disbursement) must be applied as a “refund” to the original loan amount, rather than as a standard payment. If you make a payment within the first 120 days of your loan’s disbursement, your loan amount will be reduced by the full amount of your payment.
  1. Applied Principal: This field details the amount of your payment that was applied to your principal balance. We break the payment down by group to help you see how your loan is paid down. If you wish to pay your principal balance down faster, you can increase the amount you pay. All payments are applied to fees and interest before the principal balance.
  2. Applied Interest: This field details the amount of your payment that was applied to the accured interest on your account. Interest accrues on student loans daily, so to minimize the amount of your payment that goes toward interest, make larger payments.
  3. Applied Fees: If your lender charges fees (e.g. for making a late payment), your payment will go toward paying off the fees and interest before being applied to your principal balance.
  4. Total Applied: This field details the amount from your full payment (interest, fees, and principal) that is applied to each loan group.
  1. Payment Effective Date: This is the date that we will apply the funds to your loan. Payments can take up to two business days to process, so we note in our system that your payment was applied to your account the day you submitted it. Note: Payments submitted after 4:00 p.m. (Eastern) are considered to be effective the next business day.
  2. Payment Authorization Date: This is the date that you scheduled the payment. For example, you may schedule a payment to be processed anytime in the next 30 days. If you selected a date one week from today, today would be the authorization date, and one week from today would be the effective date.
This amount displays any monthly payments that are delinquent. If you have previously made a partial monthly payment, this amount has been subtracted from your past due amount. This amount is due immediately.
This amount displays the regular monthly payment on all of your accounts that are due within the next 30 days. If you have loans that are deferred or in a paid ahead status, those amounts will not be reflected in this total until they become due within the next 30 days—however, you can make a payment on these loans at any time, regardless of due date. This amount may differ from your loan statement or regular monthly payment amount if you have previously made any overpayments on your account. This total only shows the amount required to advance your due date to the next monthly billing cycle. Additionally, if you have approached your final loan payment(s), you may notice a different amount due.
This amount displays a sum of the past due and current amount due. If you pay the amount in the Pay This Amount field now, your loans will be satisfied for the next billing cycle.
The Total Payment field is the sum of the payment amount due for all of your loans. To make a payment amount that is different than the amount in this field, you must select the Allocate/Edit Payment button.

You can change the payment amount on one or more of your accounts and groups. If the account and/or group you want to make a payment for includes a past due amount, the payment amount you enter must be greater than the past due amount.

To make an account level payment:

To make a payment on one or more groups, select the Allocate/Edit Payment button. This action will direct you to an account level display of all your accounts.

The Payment Date field will be pre-populated with the current date. You may change this date to a date that is no greater than 30 days into the future.

The Payment Amount field will be pre-populated with the amount that is due for your account. This includes any past due amounts. You may change the amount in this field. You are able to enter any payment amount as long as it is greater than the past due amount.

To make a group level payment:

To make a payment on one or more groups, select the Allocate/Edit Payment button associated with the account for which you wish to make a group level payment.

For each group, the Payment Date will be pre-populated with the current date. You may change this date to a date that is no greater than 30 days in the future.

For each group, the Payment Amount will be pre-populated with the amount that is due for that group. This includes any past due amounts. You may change the amount in this field. You are able to enter any payment amount as long as it is greater than the past due amount.

Please note that no group within the account can have a payment amount that is less than the past due amount. To determine the amount that is past due for the group, you will need to select the Allocate/Edit Payment button associated with the group and view the contents of the expanded view.
To make a group level payment:

To make a payment on one or more groups, select Pay By Group. This action will direct you to a group level display of all groups associated with that account.

For each group, the Payment Amount will be pre-populated with the amount that is due for that group. This includes any past due amounts. You may change the amount in this field. You are able to enter any payment amount as long as it is greater than the amount that is past due.

Please note that no group within the account can have a payment amount that is less than the past due amount. To determine the amount that is past due for the group, you will need to select Pay By Group to see the contents of the expanded view.

If you pay more than the amount displayed in the Amount Due field, the total amount paid will be applied to satisfying outstanding fees first, then current outstanding interest, and any remaining is applied towards the principal balance.

Note: If you are on the Income-Based Repayment plan, the payment will be applied to interest first, then fees, and then principal. Unless you advise otherwise, your due date will be advanced one month for every full payment received (see example below). If you do not wish for your due date to be advanced more than a single month, regardless of payment amount made, you need to check the "Do not Advance Due Date" checkbox.

For example, if your amount due in the month of August is $50 and you submit an online payment for $150, your account will be credited for the months of August, September, and October ($50 + $50 + $50 = $150). Your next payment due date will be in November. This DOES NOT impact how or when the full payment is applied to your account, or restrict you from still making a payment in September or October if you wish.

CONTENT TBD

To qualify for an In-School Deferment, you must be enrolled as at least a half-time student and attending an institution that is eligible to participate in the Federal Direct Loan Program (FDLP) or Federal Family Education Loan Program (FFELP). A school must verify the enrollment status. There is no maximum length for this deferment.

Graduate Fellowship Deferment

To qualify for a Graduate Fellowship Deferment, you must hold at least a baccalaureate degree, be engaged in full-time study in an academic or professional study area, and have been recommended by an institution of higher education for acceptance into the graduate fellowship program. The official of the program must certify that the fellowship program provides sufficient financial support to graduate fellows to allow for full-time study for at least six months; requires a written statement from each applicant, prior to awarding the support, which explains the applicant's objectives; requires graduate fellows to submit periodic reports, projects, or other evidence of their progress; and accepts any applicable course of study at a foreign school for completion of the program. There is no maximum length for this deferment.

To qualify for a Military Deferment, you must be serving on active duty during a war or other military operation or national emergency. You are also eligible for a Military Deferment if you are performing qualifying National Guard duty during a war or military operation or national emergency.

In addition, if you are called to duty as a member of a National Guard or Armed Forces Reserve unit on or after October 1, 2007 and were enrolled at least half-time at an eligible school with the 6 months prior to be called or ordered to active duty you are eligible for a Post-Active Duty Student Deferment for up to 13 months following the completion of active duty.

To qualify for a Rehabilitation Training Program Deferment, you must be receiving, or be scheduled to receive, training services from a rehabilitation agency. The agency must provide a program that is licensed, approved, certified, or recognized as providing rehabilitation through the Veteran’s Administration or a state agency responsible for (i) vocational rehabilitation, (ii) a drug abuse treatment program, (iii) a mental health service, or (iv) an alcohol abuse program. The deferment form must be accompanied by a letter from the state agency outlining the program in which you are participating. There is no maximum length for this deferment. You cannot be working more than 30 hours per week.

To qualify, you must fit one of the following criteria: The maximum cumulative length for all periods of Economic Hardship Deferment is 36 months.

To qualify for an Unemployment Deferment, you must be employed less than 30 hours per week and actively seeking full-time employment in the United States or its territories in any field or at any salary level, and be registered with a state or local employment agency if an agency is within 50 miles. If you are receiving unemployment benefits you must submit documentation such as a benefit approval letter or copy of your unemployment check to qualify for Unemployment Deferment. The maximum cumulative length for all periods Unemployment Deferment is 36 months.

CONTENT TBD
CONTENT TBD
CONTENT TBD
CONTENT TBD
CONTENT TBD

KwikPay Benefits are lost if KwikPay is cancelled. KwikPay will automatically be cancelled after two non-sufficient funds attempts. The benefit can be regained if the borrower restarts KwikPay. Some KwikPay benefits require the borrower to enroll in KwikPay within a certain number of days of the loan converting to repayment. If this deadline is missed, the benefit is forfeited. Contact us to determine if your benefit requires enrollment by a specific deadline.

Interest rate reduction benefits awarded at conversion will remain in effect for the remainder of the loan term provided the borrower meets the specific requirements outlined by their lender. Contact us if you have questions about your lender’s specific requirements.

Interest rate reduction benefits awarded for on-time payments* will remain in effect for the remainder of the loan term provided the borrower meets the specific requirements outlined by their lender. Contact us if you have questions about your lender’s specific requirements.

Principal Reduction benefits cannot be revoked once awarded. The borrower loses eligibility for the benefit if the required number of on-time consecutive payments are not made.

SLS Loan Borrowers (loans disbursed prior to 7/1/1994) do not qualify for incentives.

*On-time payments refers to payments made on or before the due date. In most cases, payments made during periods of deferment or forbearance will not count toward a required number of on-time payments. In some cases, a lender may establish a grace period for a late payment for the purposes of your borrower benefit. Contact us for more information about a late payment grace period.

Please note: For awarded interest rate benefits, the lower interest rate ends based on the disqualifying reason(s) outlined above or on the date a default or ineligible borrower claim is purchased by the guarantor of your loan(s).

Disclaimer: This list of borrower benefit details contains information about the most common borrower benefits, but is not all-inclusive. Borrower benefit requirements are set by your lender. Your lender may modify or terminate its borrower benefit program at its discretion and without prior notice. Your failure to satisfy benefit eligibility requirements may result in the loss of the benefit. Please contact us with any questions about your borrower benefits.

KwikPay Benefits are lost if KwikPay is cancelled. KwikPay will automatically be cancelled after two non-sufficient funds attempts. The benefit can be regained if the borrower restarts KwikPay. Some KwikPay benefits require the borrower to enroll in KwikPay within a certain number of days of the loan converting to repayment. If this deadline is missed, the benefit is forfeited. Contact us to determine if your benefit requires enrollment by a specific deadline.

Interest rate reduction benefits awarded at conversion will remain in effect for the remainder of the loan term provided the borrower meets the specific requirements outlined by their lender. Contact us if you have questions about your lender’s specific requirements.

Interest rate reduction benefits awarded for on-time payments* will remain in effect for the remainder of the loan term provided the borrower meets the specific requirements outlined by their lender. Contact us if you have questions about your lender’s specific requirements.

Principal Reduction benefits cannot be revoked once awarded. The borrower loses eligibility for the benefit if the required number of on-time consecutive payments are not made.

SLS Loan Borrowers (loans disbursed prior to 7/1/1994) do not qualify for incentives.

*On-time payments refers to payments made on or before the due date. In most cases, payments made during periods of deferment or forbearance will not count toward a required number of on-time payments. In some cases, a lender may establish a grace period for a late payment for the purposes of your borrower benefit. Contact us for more information about a late payment grace period.

Please note: For awarded interest rate benefits, the lower interest rate ends based on the disqualifying reason(s) outlined above or on the date a default or ineligible borrower claim is purchased by the guarantor of your loan(s).

Disclaimer: This list of borrower benefit details contains information about the most common borrower benefits, but is not all-inclusive. Borrower benefit requirements are set by your lender. Your lender may modify or terminate its borrower benefit program at its discretion and without prior notice. Your failure to satisfy benefit eligibility requirements may result in the loss of the benefit. Please contact us with any questions about your borrower benefits.