What should I do if my federal student loan is delinquent?
You should look into the Student Loan Debt Collection Assistant, which the US Department of Education developed along with Consumer Financial Protection Bureau because it has tools that will give you access to special repayment options.
What is my promissory note?
A promissory note is your legal binding document and is important to read because when you sign it you are agreeing to paying the full amount back.