Before going through the steps you should make sure to contact your loan servicer if you are having trouble making payments can help you avoid default.
ok but if i don't make a payment on time what can i expect?
Please note that if your loan is delinquent and late fees may apply. Even if you are behind on your loan, you can still avoid default, so it is important that you contact your loan servicer immediately.
Can my loan servicer help me if I can't pay? What could be an option?