内容摘要：that does the math for you. This is available for people who make $79,000 or less per year. If you have questions while working on your tax forms, the IRS also offers an

that does the math for you. This is available for people who make $79,000 or less per year. If you have questions while working on your tax forms, the IRS also offers an

If a borrower missed one month’s payment, they will start receiving email notifications, said Shaforth. Once the loan hasn’t been paid for three months, loan servicers notify to the credit reporting agencies that the loan is delinquent, affecting your credit history. Once the borrower hasn’t paid the loan for nine months, the loan goes into default.If you’re struggling to pay, advisers first encourage you to check if you qualify for an income-driven repayment plan, which determines your payments by looking at your expenses. You can see whether you qualify by

. If you’ve worked for a government agency or a non-profit organization, you could also be eligible for the, which forgives student debt after 10 years.When you fall behind on a loan by 270 days — roughly 9 months — the loan appears on your credit report as being in default.

Once a loan is in default, it goes into collections. This means the government can garnish wages (without a court order) to go towards paying back the loan, intercept tax refunds, and seize portions of Social Security checks and other benefit payments.If your budget doesn’t allow you to resume payments, it’s important to know how to navigate the possibility of default and delinquency on a student loan. Both can hurt your credit rating, which would make you ineligible for additional aid.

If you’re in a short-term financial bind, you may qualify for deferment or forbearance — allowing you to temporarily suspend payment.

To determine whether deferment or forbearance are good options for you, you can contact your loan servicer. One thing to note: interest still accrues during deferment or forbearance. Both can also impact potential loan forgiveness options. Depending on the conditions of your deferment or forbearance, it may make sense to continue paying the interest during the payment suspension.She wipes a tear as she watches a video she recorded of the destruction near San Pedro Sula. In the video, she scans each room of her once spotless home, painted a bright lime color, and now splattered in dirt. Then she stares into the camera and says: “All I have is mud and more mud and more mud.”

In this November 2020 image provided by Ana Morazan, mud from hurricanes Eta and Iota cover her home near San Pedro Sula, Honduras. (Ana Morazan via AP)In this November 2020 image provided by Ana Morazan, mud from hurricanes Eta and Iota cover her home near San Pedro Sula, Honduras. (Ana Morazan via AP)

The couple said since leaving, they have been attacked, kidnapped, and robbed, keeping them on the move. Now she and Juarez are among tens of thousands of Central Americans in Mexican border cities seeking to request asylum in the U.S., but they are blocked by a pandemic-related health order that was invoked by the Trump administration and has continued under President Joe Biden.While fear of violence keeps them from trying to return to Honduras, even if they did go back, they would have no place to live. If Eta and Iota had not hit, it would not have started a chain reaction of other things that forced them to flee.