terms that represent, or try to evoke images or experiences of specific, tangible objects or entities. Concrete terms are usually thought of as opposed to abstractions or generalizations. External conflicts have outside action such as man against man, man against nature, man against fate.
- Borrower must receive servicing transfer statement at least 15 days before effective date of loan transfer-Borrower cannot be penalized for making a timely payment to prior servicer within 60 days of loan transfer-Records must be retained for 3 years for revised GFE; for 5 years for HUD-1s, escrow accounts, and AfBAs.
Once you reach 120 days or so, you need to act very quickly to avoid default. [Understand how late student loan payments affect your credit score.] 241 to 269 Days Past Due. Once you hit 240 days past due, your lender will send you a final demand letter requesting payment of the full loan balanceâ within 30 days.