Financial Aid

Avoid Delinquency or Default of Your Student Loans

Delinquent Loan Payment Can Fall into Default Status. - ACT NOW!

Any student who has borrowed a federal student loan to attend ISU who is also in delinquent status with their loan repayment, will be (or has already been) receiving regular e-mail, phone and text messages from "Borrow Wisely" containing information on how to resolve the delinquency and get their student loan account back into good standing.

If your loan account(s) is delinquent past 270 days, it may fall into default status (loans default at 270 days, however the agency which holds your loan, your servicer, has 90 days to transfer ownership to collections and you will be contacted to resolve your delinquency until your loan status changes to default). The financial consequences of default are *absolutely terrible* and we don't want any of our current or former students to ever have to experience them.


Contact your servicer Immediately! Ask about your options to resolve any Delinquency (or Default). Your financial future is worth the time this will take. If you do not know who the servicer is for your loans, sign onto to Financial Aid Review. You will need your FSA ID which you can create/obtain at As you open each loan you will see the status of your loan and who the servicer is.

Contact your Servicer NOW!
...Stop the Delinquency from becoming a Default!

Don't get discouraged if you are in default on your federal student loan.

When placed in default, any William D. Ford Federal Direct Loan (Direct Loan) Program loan or Federal Family Education Loan (FFEL) Program loan that is owned by the U.S. Department of Education (ED) is assigned to ED'sfor collection. Default Resolution Group at

There are OPTIONS for getting your loan out of default.

Resolving Disputes -

There are some steps you can take to Resolve your Loan Dispute. You should first identify your loan problem, and then contact your loan servicer.


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