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	<title>Student Loan Choices - Most Popular Articles</title>
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		<title>I am already defaulted…now what do I do</title>
		<link>http://www.studentloanchoices.com/resources/questions.php?questionid=11</link>
		<description>Unfortunately it is too late to get into a forbearance or deferment.  You should immediately contact the guarantor to set up payments. The loan can be rehabilitated with 10 consecutive payments to ...</description>
		<author>Jack Francis</author>
		<pubDate>Fri, 07 Mar 2008 14:51:18 GMT</pubDate>
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		<title>How will being in a forbearance/deferment affect my credit?</title>
		<link>http://www.studentloanchoices.com/resources/questions.php?questionid=2</link>
		<description>Being in a forbearance/deferment has no negative effect on your credit. Taking action now can save you from having the dreaded mark of default on your credit score.</description>
		<author>Jack Francis</author>
		<pubDate>Wed, 21 Nov 2007 19:46:08 GMT</pubDate>
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		<title>I am having trouble paying back my student loans.  What are my options?</title>
		<link>http://www.studentloanchoices.com/resources/questions.php?questionid=22</link>
		<description>
If you are having trouble making your student loan payments you might qualify for a deferment, forbearance, or another form of payment relief. Visit our Postpone Payments section to get more inf ...</description>
		<author>Jack Francis</author>
		<pubDate>Fri, 07 Mar 2008 14:44:21 GMT</pubDate>
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		<title>What if I want to go back to school?</title>
		<link>http://www.studentloanchoices.com/resources/questions.php?questionid=3</link>
		<description>As long as your previous loan has not defaulted you can re-enroll in school at any time. Once reenrolled you should get into an in-school deferment to stop your payments.</description>
		<author>Jack Francis</author>
		<pubDate>Fri, 09 Nov 2007 14:53:22 GMT</pubDate>
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		<title>What if I am working and make to much money to qualify for deferment?</title>
		<link>http://www.studentloanchoices.com/resources/questions.php?questionid=9</link>
		<description>If you are working full time and make over 20% of your loan payment amount but are still struggling to make payments you may still qualify for forbearance.</description>
		<author>Jack Francis</author>
		<pubDate>Tue, 20 Nov 2007 23:39:13 GMT</pubDate>
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		<title>How long does it take for my deferment or forbearance to be processed?</title>
		<link>http://www.studentloanchoices.com/resources/questions.php?questionid=17</link>
		<description>
It takes approximately 3-5 business days for a deferment or forbearance to be processed once the completed application has been received by StudentLoanChoices.  If any information or certificati ...</description>
		<author>Jack Francis</author>
		<pubDate>Tue, 20 Nov 2007 23:38:12 GMT</pubDate>
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		<title>I have been enrolled in school.  I thought my loans would automatically be deferred.</title>
		<link>http://www.studentloanchoices.com/resources/questions.php?questionid=23</link>
		<description>Never assume that a deferment is automatically granted on your loans.  It is your responsibility to apply for deferments and make sure they are processed.  Certain in-school deferments are only fo ...</description>
		<author>Karin Byrd</author>
		<pubDate>Tue, 18 Mar 2008 15:05:18 GMT</pubDate>
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		<title>What if my school status changes?</title>
		<link>http://www.studentloanchoices.com/resources/questions.php?questionid=12</link>
		<description>Please notify your lender immediately when you have any change in school status, address, or phone numbers.  </description>
		<author>Jack Francis</author>
		<pubDate>Tue, 20 Nov 2007 20:41:55 GMT</pubDate>
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		<title>What if I have filled for Bankruptcy?</title>
		<link>http://www.studentloanchoices.com/resources/questions.php?questionid=4</link>
		<description>Student loans are no longer dischargeable in any chapter of bankruptcy unless you can prove that repaying the loan creates an undue hardship on you or your family.</description>
		<author>Jack Francis</author>
		<pubDate>Tue, 20 Nov 2007 23:38:45 GMT</pubDate>
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		<title>What happens after I have submitted my form?</title>
		<link>http://www.studentloanchoices.com/resources/questions.php?questionid=16</link>
		<description>
Your application will be submitted for processing.  You will be notified in writing by mail whether or not your deferment or forbearance has been approved or denied. Your original payment schedu ...</description>
		<author>Jack Francis</author>
		<pubDate>Tue, 20 Nov 2007 23:39:27 GMT</pubDate>
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