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Agreeing to repay the excess loan amount in ance with the terms of the promissory note is called reaffirmation. You can reaffirm an excess loan amount by signing a reaffirmation agreement with your loan servicer.
If you submitted a completed paper loan consolidation application directly to your loan servicer, they can confirm that you submitted an application and its processing status. Note: Processing typically takes about four to six weeks from the date an application is submitted.
Once weve received all of the documentation needed to determine whether you qualify for loan forgiveness, youll be notified. A final review of your account will be done to process forgiveness, which will take at least 90 business days.
Navient has agreed to pay $120 million to resolve Consumer Financial Protection Bureau allegations that for years it illegally serviced federal student loans, ending a high-profile case that spanned three presidential administrations.
Filing of Reaffirmation Agreement; Statement in Support of Reaffirmation Agreement. (a) Filing of Reaffirmation Agreement. A reaffirmation agreement shall be filed no later than 60 days after the first date set for the meeting of creditors under 341(a) of the Code.
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Depending on the plan that you choose, youll be eligible for forgiveness in 20 to 25 years. But youll want to stay vigilant to make sure that your federal student loan payments are being handled correctly. And youll need to recertify your income and family size each year.
How long does the reaffirmation process take? The reaffirmation process will vary based on your Federal Loan Servicer. We recommend you allow at least 4-6 weeks for this process once the request has been initiated.

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