Servicers

• What is a servicer?
• Who is my servicer?
• Who is NorthStar?

Making Payments

• How do I set up automatic payments?
• How do I make a payment?
• When do I start making payments?
• Do you offer a deferment period for extended training beyond academic requirements, such as medical residency and dentistry?
• Could I be responsible for repaying amounts other than principal and interest if I am living outside the U.S.?
• Can I pay more than my minimum amount per month?

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Loan Pay Off

• What steps do I need to take to pay off my loan?

Payment Hardship

• What can I do if I won't be able to afford the full monthly payment amount?
• How does a forbearance period affect my ACH payments?

Credit Reporting

• How can I improve my credit score with my MPOWER loan?
• If I don't have a social security number, how does my loan help to build my U.S. credit history?
• If a payment was past due in the past but my payments are now current, can I have my credit history adjusted?
• How is my credit impacted if I miss a payment?