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.
To ask questions about consolidating your loans before you apply for a Direct Consolidation Loan, contact the Loan Consolidation Information Call Center at 1-800-557-7392. To request technical assistance while you are signed in and completing the Federal Direct Consolidation Loan Application and Promissory Note online, select the âContact Usâ tab in the top menu bar of StudentLoans.gov.