Your lender/servicer can tell you...

• Your total debt.

• When 1st payment due.

• Number, frequency and amount of payments.

• Refinancing and consolidation options.

• That you have the right to prepay loan without penalty.

• That most loans are sold in first year of repayment.

• The name of loan purchaser.

• Deferment, forbearance and cancellation provisions.

NOTE: Remember that promissory note discussed in the beginning of this presentation?  This is your "road map" of what you borrowed and how to repay the debt.  If you read the promissory note carefully, the terms and conditions of your loan are explained on it.