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You simply must pay your loan back from the the time your pay-check happens within the mail. If you have debt problems, try to solve them with your creditors as soon as you realize you wonât be able to make your payments. If you canât resolve the problems yourself or you need help to do it, you may want to contact a credit counseling service. Nonprofit organizations in every state counsel and educate people and families on debt problems, budgeting, and using credit wisely. Often, these services are free or low-cost. Universities, military bases, credit unions, and housing authorities also may offer low- or no-cost credit counseling programs. Complete the online application
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