Having trouble making payments on your student loan? Make sure to contact your lender as soon as you think you might have trouble making payments. Don't ignore any calls or letters from your lender or servicer, either. Putting things off is never the answer because these loans won't go away; talk to your lender and discuss all the options for making payment easier that you've seen in this booklet. Get the details from your lender/servicer on how you can benefit from these options. Don't default!