If you are a student in Canada, chances are you have heard of the National Student Loans Service Centre (NSLSC). As the authority in managing student loans, the NSLSC plays a crucial role in your financial journey. However, as a student loan borrower, you may wonder: will NSLSC call you? It is a question that many students have, and in this article, we are here to provide you with the answer.
The NSLSC may call you for various reasons. Whether it is to discuss your loan repayment options, provide important updates about your loan, or ask for additional documentation, the NSLSC may reach out to you via phone. It is important to keep your contact information up to date to ensure you do not miss any important calls.
However, it is essential to be cautious about any suspicious calls. Scammers may pose as NSLSC representatives and attempt to gather personal information or trick you into making payments to an unofficial source. To protect yourself from fraud, remember that the NSLSC will never ask for your social insurance number or payment details over the phone. If you receive a suspicious call, hang up and contact the NSLSC directly to verify the call’s authenticity.
Discover the Truth about NSLSC Calls
Are you wondering whether the NSLSC will call you? Many people have questions about this, and it’s important to separate fact from fiction.
The National Student Loans Service Centre (NSLSC) is responsible for administering loans and grants for students in Canada. While the NSLSC may need to contact borrowers, they typically do not call directly. Instead, they primarily communicate through email, mail, and online services.
If you receive a call from someone claiming to be from the NSLSC, be cautious. There have been instances of scammers pretending to be part of the organization in order to obtain personal information or money. It’s important to verify the caller’s identity before providing any sensitive information.
If you have concerns about a call you’ve received, you can contact the NSLSC directly to confirm its legitimacy. They can provide guidance on how to handle suspicious calls and help you protect your information.
Remember, the NSLSC will never request personal information, such as your Social Insurance Number or banking details, over the phone. They will also never ask for payment over the phone. If someone claiming to be from the NSLSC asks for these things, it is likely a scam.
To stay informed about NSLSC updates and communication, make sure you regularly check their official website and login to your secure online account. This is the best way to ensure you receive legitimate information and updates about your student loans.
In summary, while the NSLSC may need to contact you, they typically do not call directly. If you receive a call claiming to be from the NSLSC, be cautious and verify the caller’s identity. Protect your personal information and stay informed about legitimate NSLSC communications.
How to Determine If Your Phone is Ringing for NSLSC
If you have applied for a loan or grant through the National Student Loan Service Centre (NSLSC), you may be wondering how to determine if a call you receive is from them. Here are a few steps you can take to determine if your phone is ringing for NSLSC:
1. Know the NSLSC Phone Number
Make sure you are familiar with the NSLSC phone number. This is important because scammers often use fake numbers to impersonate legitimate organizations. The official NSLSC phone number is 1-888-815-4514. If you receive a call from a different number claiming to be NSLSC, be cautious.
2. Verify the Caller’s Identity
When you pick up the call, ask the person on the other end to identify themselves. Genuine NSLSC representatives should be able to provide their name, employee number, and a reference number related to your loan or grant application. If they cannot provide this information, it may be a sign that the call is not from NSLSC.
3. Ask Purpose of the Call
Politely inquire about the purpose of the call. NSLSC typically contacts borrowers regarding their loan or grant applications, repayment options, or other related matters. If the caller cannot provide a valid reason for contacting you, it is advisable to end the call and contact NSLSC independently to verify the call’s legitimacy.
4. Avoid Sharing Personal Information
Be cautious about providing personal information over the phone. Genuine NSLSC representatives should not ask for sensitive information such as your social insurance number, date of birth, or banking information during an unsolicited phone call. If such information is requested, it is recommended to end the call and report it to NSLSC.
Remember, it is always better to be safe than sorry when it comes to phone calls relating to your NSLSC loan or grant. By following these steps, you can determine if your phone is ringing for NSLSC and protect yourself from potential scams.
Inside Secrets: NSLSC’s Calling Protocol Revealed
Have you ever wondered how the National Student Loans Service Centre (NSLSC) handles their phone calls? This article will reveal the inside secrets of NSLSC’s calling protocol.
Many borrowers are often anxious about receiving calls from the NSLSC. They wonder if the call is legitimate or if it’s a scam. The truth is that the NSLSC does make legitimate calls, but it’s always good to be cautious.
So, how can you tell if a call is really from the NSLSC? There are a few key things to look out for:
| Caller ID: | The NSLSC usually displays its name or phone number on the caller ID. This can help verify that the call is indeed from NSLSC. |
| Verification Questions: | During the call, the NSLSC may ask for certain pieces of personal information to verify your identity. They will never ask for sensitive information like your social security number or banking details. |
| Reason for the call: | The NSLSC will clearly state the purpose of the call. They may be calling to discuss your loan repayment options, provide information about your loan status, or request important documents. |
It’s important to remember that the NSLSC will never ask you to make immediate payment over the phone. If someone claiming to be from the NSLSC demands payment during the call, it’s likely a scam.
If you receive a call from the NSLSC and you’re unsure about its legitimacy, it’s always a good idea to hang up and call NSLSC directly using the official phone number provided on their website. This will help ensure that you’re speaking with a genuine NSLSC representative.
By being aware of NSLSC’s calling protocol, you can better protect yourself from scams and stay informed about your student loans. Remember to always verify the caller’s identity, never give out sensitive information over the phone, and rely on official channels to contact the NSLSC.
Unveiling the Mystery: NSLSC or Just Another Telemarketer?
When it comes to phone calls, no one likes to be bothered by telemarketers. They are often seen as intrusive and are usually met with annoyance. But what if the call is from NSLSC? Will it be just another telemarketer trying to sell you something or is it something more important?
NSLSC, which stands for National Student Loans Service Centre, manages and administers student loans in Canada.
The Purpose of NSLSC’s Calls
Unlike telemarketers, NSLSC has a legitimate reason to call you. These calls are usually made to inform you about your student loan, provide updates on repayment options, or discuss any concerns you may have. They are there to help you navigate through the process and answer any questions you may have.
How to Differentiate NSLSC Calls from Telemarketing Calls
So, how can you tell if the call is from NSLSC or just another telemarketer? Here are a few tips:
- Caller ID: NSLSC calls may appear with a specific number or a blocked number, but they will usually identify themselves as NSLSC.
- Message Content: The purpose of the call will be related to your student loan, such as repayment assistance or loan forgiveness programs.
- Verification: If you are unsure about the legitimacy of the call, ask for their name and extension. You can then independently verify their identity by calling NSLSC directly.
Remember, NSLSC is there to help you with your student loan, while telemarketers are looking to sell you something. If you are ever in doubt, it is always best to verify the caller’s identity before sharing any personal or financial information.
Don’t Be Fooled! Spotting Genuine NSLSC Calls
If you have a student loan and are expecting a call from the National Student Loans Service Centre (NSLSC), it’s important to know how to spot a genuine call from the NSLSC. Scammers often pose as representatives from the NSLSC in an attempt to gather personal and financial information from unsuspecting borrowers.
1. Caller ID
One way to determine if a call is genuine is to check the caller ID. The NSLSC typically uses a toll-free number, such as 1-800-O-Canada, or a specific 10-digit number associated with their organization. If the caller ID shows a different number or a blocked number, it may be a red flag that the call is not from the NSLSC.
2. Requesting Personal Information
The NSLSC will never ask you to provide personal information, such as your Social Insurance Number (SIN), over the phone. If a caller requests this information or any other sensitive data, it is highly likely that the call is a scam. The NSLSC already has your information on file and will not require you to provide it over the phone.
If you are unsure about the legitimacy of a call from the NSLSC, it’s always better to be safe than sorry. Hang up and contact the NSLSC directly using the official contact information found on their website. They will be able to confirm the status of your account and provide any necessary information or assistance.
Remember, scammers are constantly coming up with new tactics to trick unsuspecting individuals. By staying informed and being cautious, you can protect yourself from falling victim to fraud.
Answering the Call: Is NSLSC Dialing Your Number?
When it comes to your student loans, the National Student Loans Service Centre (NSLSC) plays a crucial role in managing your financial future. Getting a call from NSLSC can be both anticipated and nerve-wracking, as it may bring important news or require your attention.
But will NSLSC call you? The answer depends on several factors. Firstly, if you have a student loan and it’s in repayment, you can expect to receive calls from NSLSC. These calls may be about reminders to make your monthly payments, clarifying any issues or discrepancies, or providing information about your loan account.
However, it’s essential to be cautious when receiving calls claiming to be from NSLSC. While the NSLSC does initiate phone contact, scammers have been known to impersonate NSLSC representatives, aiming to steal personal information or scam individuals out of money. To protect yourself, remember these key points:
Verify the Caller: When you receive a call from NSLSC, ask for the caller’s full name, position, and contact information. If you’re unsure about the legitimacy of the call, hang up, and contact NSLSC directly through their official website or phone number to confirm the call’s authenticity.
Protect Your Information: Never give out sensitive personal or financial details, such as your social insurance number, banking information, or login credentials, over the phone unless you initiated the call and verified the identity of the person you’re speaking with.
Stay Informed: Keep yourself updated on the latest scams and methods fraudsters use to deceive individuals. The NSLSC regularly shares information about fraudulent activities on their website, so make sure to stay vigilant and informed to protect yourself from potential scams.
Remember, NSLSC plays an essential role in helping you manage your student loans. While they may call you, it’s crucial to stay cautious, verify the caller’s identity, and protect your personal information. By being vigilant, you can ensure that any communication with NSLSC is legitimate and focuses on your financial well-being.
Common Misconceptions: Debunking NSLSC Call Myths
When it comes to the National Student Loans Service Centre (NSLSC), there are many misconceptions about their communication methods. One of the most common myths is whether or not they will call you. Let’s debunk these NSLSC call myths and provide you with the real facts.
Myth 1: The NSLSC Will Call You
Contrary to popular belief, the NSLSC does not typically make outgoing phone calls to borrowers. They primarily communicate through written correspondence, such as emails and letters. If you receive a phone call claiming to be from the NSLSC, it is important to be cautious and verify the legitimacy of the call.
Myth 2: The NSLSC will never call you
While the NSLSC generally prefers written communication, there may be instances where they need to reach out to borrowers via phone. These cases, however, are usually exceptional and require immediate attention, such as resolving an issue with your loan or discussing repayment options. If the NSLSC does call you, it is crucial to validate the caller’s identity to ensure you are not falling victim to a scam.
It’s important to stay informed and educated about the NSLSC’s communication practices to avoid falling prey to misinformation. Remember, the NSLSC primarily uses written communication, but there may be occasions where they reach out to you by phone. Always be cautious and verify the legitimacy of any calls claiming to be from the NSLSC.
Conclusion:
Despite the myths surrounding NSLSC calls, it is crucial to understand the truth behind their communication methods. While they generally prefer written correspondence, there may be circumstances where they need to contact you via phone. It is essential to stay vigilant and verify the legitimacy of any calls you receive from the NSLSC.
Ring Responsibly: Managing NSLSC Phone Notifications
When it comes to managing your NSLSC (National Student Loan Service Centre) loans, it’s important to stay informed and take charge of your financial future. One way that NSLSC may reach out to borrowers is through phone notifications. These notifications can inform you about important updates or changes to your loan, or provide reminders about upcoming payment deadlines.
Why Does NSLSC Call You?
The NSLSC may call you for a variety of reasons, including:
- To provide information about changes to your loan or repayment terms
- To request additional documentation or information
- To remind you about upcoming payment deadlines or provide repayment options
How to Manage NSLSC Phone Notifications
To manage NSLSC phone notifications effectively, consider the following tips:
- Keep your contact information up to date: Ensure that NSLSC has your current phone number and email address on file so that you can receive important notifications promptly.
- Listen carefully to messages: When NSLSC calls you, carefully listen to the message and take note of any instructions or information provided. If necessary, you can replay the message to ensure you capture all the details.
- Verify the caller’s identity: In order to protect yourself from scammers, always verify the caller’s identity before providing any personal information or taking any actions. You can do this by asking for the caller’s name, title, and contact information, and then independently contacting NSLSC to confirm their legitimacy.
- Take prompt action: If NSLSC calls you with important information or a request, take prompt action and follow their instructions. Ignoring or delaying action on these calls can result in missed deadlines or potential penalties.
Contacting NSLSC
If you have any questions or concerns about the phone notifications received from NSLSC, you can contact them directly through their official channels. Visit the NSLSC website for contact information and resources to assist you in managing your student loans.
| Phone: | 1-888-815-4514 |
|---|---|
| Email: | [email protected] |
Remember, managing your NSLSC loans responsibly means staying informed and taking the necessary steps to ensure successful loan repayment. Stay proactive and keep your contact information up to date, so you can receive important phone notifications from NSLSC.
Protecting Your Privacy: NSLSC Phone Call Guidelines
The National Student Loans Service Centre (NSLSC) takes the privacy of its borrowers seriously. To ensure the security of your personal information, the NSLSC has established strict guidelines for phone calls.
First and foremost, the NSLSC will never call you unexpectedly. If you receive a phone call from someone claiming to be from the NSLSC, it is important to verify their identity before providing any personal information. You can do this by asking for their name, position, and contact information, and then independently contacting the NSLSC to confirm their identity.
It is important to note that the NSLSC will only call you if there is a specific reason to do so. This could include issues related to your student loan repayment, changes in your account status, or requests for additional information. If you receive a call from the NSLSC, always treat it seriously and follow their instructions.
Another important guideline to remember is that the NSLSC will never ask you for sensitive information over the phone, such as your Social Insurance Number or banking details. If someone claiming to be from the NSLSC asks for this information, it is likely a scam. Do not provide any personal information and report the incident to the NSLSC immediately.
If you have concerns about the legitimacy of a phone call from the NSLSC, you can contact their dedicated support line to verify the call. The NSLSC provides a toll-free number for borrowers to call and confirm any communication they may have received.
By following these guidelines, you can protect your privacy and ensure that your personal information remains secure. Remember, the NSLSC will never call you unexpectedly or ask for sensitive information over the phone. Stay vigilant and be cautious when receiving phone calls related to your student loans.
Golden Rules: How to Verify NSLSC Calls
If you have received a call claiming to be from the National Student Loans Service Centre (NSLSC), it is important to take precautions to verify the authenticity of the call. Here are some golden rules to help you determine if the call is genuine:
1. Never Provide Personal Information
The NSLSC will never ask you to provide personal information over the phone. This includes your Social Insurance Number (SIN), bank account details, or any other sensitive information. If the caller requests this information, it is likely a scam.
2. Call NSLSC Directly
If you are unsure about the authenticity of a call, hang up and contact the NSLSC directly. Use the official contact information provided on their website or other trusted sources to reach out to them. This way, you can verify if the call was legitimate or fraudulent.
Remember, scammers can spoof phone numbers to make it appear as if they are calling from a legitimate organization. Therefore, it is important to independently verify the call and never rely solely on the information provided by the caller.
Beyond the Phone: Other Ways NSLSC May Reach You
While the phone is a common method for the National Student Loans Service Centre (NSLSC) to reach out to you, it is not the only means of communication they employ. The NSLSC understands that different individuals have different preferences when it comes to receiving information, and they strive to accommodate those preferences as much as possible.
In addition to phone calls, the NSLSC may also reach out to you through other channels, such as email, mail, or their online portal. They may provide updates on your student loan status, request additional documents or information, or inform you about upcoming deadlines or changes to your repayment plan through these alternate methods.
It is important to ensure that your contact information, including your email address and mailing address, is always up to date with the NSLSC. This will help ensure that you receive important communications regarding your student loans in a timely manner.
Email: The NSLSC may send you email notifications regarding your student loans. These emails will often include important information or instructions. Make sure to regularly check your inbox, spam folder, and other email filters to ensure that you do not miss any important messages from the NSLSC.
Mail: The NSLSC may also send you physical mail regarding your student loans. This may include documents to sign, forms to complete, or important notices. It is essential to regularly check your mailbox and promptly respond to any mail you receive from the NSLSC.
Online Portal: The NSLSC provides an online portal where you can access and manage your student loan information. This portal may contain important updates, electronic forms, or tools to help you manage your loans. Make sure to regularly log in to the portal to stay informed about your loan status and any updates from the NSLSC.
Remember, staying in touch with the NSLSC through these various communication channels is crucial to staying informed about your student loans. Whether it’s a phone call, an email, or a letter in the mail, make sure to respond promptly and provide any requested information or documentation to avoid any delays or complications with your student loans.
By being proactive and keeping your contact information up to date, you can ensure that the NSLSC can reach you efficiently and effectively, providing you with the support and information you need for a successful student loan experience.
Beware of Scams: NSLSC Impersonators to Watch Out For
When it comes to dealing with the NSLSC, it’s important to stay vigilant and protect yourself from potential scams and impersonators. While the NSLSC may call you in certain situations, it’s essential to be aware of the signs of a fraudulent call.
First and foremost, remember that the NSLSC will never ask for your personal information, such as your Social Insurance Number (SIN), over the phone. If someone claiming to be from the NSLSC asks for this information, it’s a red flag and should raise suspicion.
Another scam tactic to be wary of is the demand for immediate payment. Legitimate NSLSC representatives will not pressure you to make an immediate payment or threaten legal consequences if you don’t comply. If you receive a call demanding payment and threatening legal action, it is likely a scam.
It’s important to note that the NSLSC primarily communicates with borrowers through official channels, such as emails or letters sent by regular mail. If you receive a call from someone claiming to be from the NSLSC but have not received any prior official communication, it’s best to be cautious.
If you suspect a call or communication may be a scam, do not provide any personal or financial information. Instead, hang up and contact the NSLSC directly through their official contact information to verify the call’s legitimacy.
In addition, it’s a good practice to keep yourself informed about the latest scams targeting individuals in relation to student loans. Follow official NSLSC updates and announcements to stay up to date on potential scams and how to protect yourself.
Remember, your personal information is valuable and should be guarded carefully. By staying vigilant and aware of scams, you can protect yourself from falling victim to fraudsters impersonating the NSLSC.
Identifying Trustworthy Calls: NSLSC Telephone Identification
One common concern that borrowers may have when dealing with the National Student Loans Service Centre (NSLSC) is whether or not they can trust the calls they receive from the organization. It is important to know that the NSLSC will call you in certain situations, such as when you have requested a call back or when there are issues with your loan.
When the NSLSC calls you, it is essential to verify their identity before sharing any personal or financial information. There are a few key ways to identify a trustworthy call from the NSLSC:
Caller ID:
When the NSLSC calls you, it will typically appear on your caller ID as “National Student Loans Service Centre” or “NSLSC”. While caller ID information can be spoofed, seeing this name displayed can provide some reassurance that the call is legitimate.
Known Contact:
If you have been in contact with the NSLSC previously, they may reference your name, account number, or other personal information during the call. This can help confirm their identity and legitimacy.
The Purpose of the Call:
The NSLSC will generally inform you of the purpose of their call, such as discussing your loan repayment options or providing important updates. If the call does not align with your current loans or if you are unsure of the reason for the call, it is important to proceed with caution and verify the caller’s identity.
Request for Personal Information:
The NSLSC will not ask you to provide sensitive personal information, such as your Social Insurance Number or bank account details, over the phone. If a caller requests this information, it is a red flag and an indicator that the call may be fraudulent.
Remember, if you are uncertain about the legitimacy of a call from the NSLSC, it is always better to be safe than sorry. Ask the caller for their name and contact information, and let them know that you will call back after verifying their identity. You can then contact the NSLSC directly using their official phone number, which can be found on their website, to ensure that you are speaking to a genuine representative.
By taking these precautions and staying vigilant, you can protect yourself from potential phone scams and ensure that your personal and financial information remains secure.
Stay Informed: The Latest NSLSC Call Updates
Are you wondering if the NSLSC will call you? We understand how important it is to stay informed about any updates regarding your student loans. Stay updated and ensure that you won’t miss any important calls or information.
Receiving a call from the National Student Loans Service Centre (NSLSC) can often be a crucial moment, as it may involve important matters regarding your student loans. Being aware of the latest updates can help you prepare and address any issues or concerns promptly.
To stay informed about the latest NSLSC call updates, consider taking the following steps:
- Keep your contact information up to date: Ensure that your contact details, including your phone number and email address, are current and accurate in the NSLSC records. This way, if they need to reach out to you, they can do so easily.
- Regularly check your inbox and voicemail: Be diligent in checking your email and voicemail messages, as the NSLSC may leave important updates or notifications there. Make it a habit to check these platforms regularly.
- Stay informed through official channels: Rely on official NSLSC communication channels for updates. The NSLSC website, social media accounts, or official emails are reliable sources of information about any changes in their contact procedures or policies.
Remember, staying informed is crucial when it comes to managing your student loans effectively. By keeping your contact information up to date and being proactive in checking and responding to NSLSC calls and messages, you can stay on top of any important updates or inquiries.
Ensuring open communication with the NSLSC not only helps you stay informed but also enables you to address any concerns or questions you may have promptly. Stay informed, be proactive, and stay on top of your student loan obligations.
Important Announcements: NSLSC’s Phone Communication
Are you wondering if the National Student Loans Service Centre (NSLSC) will call you? Read on to find out!
Why Would NSLSC Call You?
If you have student loans and are enrolled in a program that is affiliated with the NSLSC, it is highly likely that you will receive phone calls from them. These phone calls may be regarding important updates or changes to your student loan account, outstanding payments, or important notices that require your immediate attention.
Will NSLSC Call You?
Yes, the NSLSC will call you if there is a need for direct communication. However, it is important to note that they will always provide proper identification and may ask you to verify your identity before discussing any sensitive information related to your student loan account. This is to ensure your privacy and protection against fraud.
If you receive a call from someone claiming to be from the NSLSC but have doubts about their identity, it is recommended that you ask for their name and extension number, hang up, and then contact NSLSC directly through their official phone number. This will help you confirm if the call was indeed legitimate or a potential scam.
Remember, the NSLSC’s primary mode of communication is through mail, email, and their online portal. If you are unsure about any phone calls you receive regarding your student loan account, always verify with the NSLSC directly for your peace of mind.
For more information or to update your contact preferences, visit the official NSLSC website or contact their customer service helpline. Stay informed and stay protected!
Secure Communications: Safeguarding NSLSC Phone Interactions
When it comes to interacting with the National Student Loans Service Centre (NSLSC) over the phone, it is important to ensure secure communications to protect your personal information. The NSLSC takes the privacy and security of your data seriously and has implemented several measures to safeguard your interactions.
Here are some key steps that the NSLSC takes to ensure secure phone interactions:
| Verification Process: | The NSLSC employs a strict verification process to verify your identity when you call. You will be asked a series of security questions or be required to provide certain personal details to ensure that you are the authorized account holder. |
| Encryption: | All phone conversations between you and the NSLSC are encrypted to protect your personal information from interception or unauthorized access. This means that your data is converted into a secret code during transmission, making it unreadable to anyone who might try to intercept it. |
| Confidentiality: | The NSLSC ensures that all its personnel are trained on how to handle confidential information appropriately. Only authorized individuals have access to your personal data, and they are required to follow strict guidelines to maintain confidentiality. |
| Privacy Policy: | The NSLSC maintains a comprehensive privacy policy that outlines how your personal information is collected, used, and protected. It also provides information on your rights regarding your data and how to contact the NSLSC if you have any privacy concerns. |
| Secure Systems: | The NSLSC uses state-of-the-art technology and secure systems to ensure that your data is protected from unauthorized access. These systems are regularly updated and undergo rigorous testing to maintain their security standards. |
By implementing these security measures, the NSLSC strives to provide you with a safe and secure environment for your phone interactions. If you have any concerns about the security of your communications with the NSLSC, don’t hesitate to contact them directly to address your concerns.
Question-Answer:
Will the NSLSC call me if I have missed a payment?
Yes, the NSLSC may call you if you have missed a payment. It is important to keep your loan payments up to date to avoid any potential collection actions.
How can I confirm if a call from the NSLSC is legitimate?
If you receive a call from the NSLSC and you are unsure if it is legitimate, you can hang up and call the NSLSC directly using their official phone number. They will be able to confirm if the call you received was genuine or a scam.
What should I do if I receive a suspicious call claiming to be from the NSLSC?
If you receive a suspicious call claiming to be from the NSLSC, do not provide any personal or financial information. Hang up immediately and report the call to the NSLSC and your local authorities. It is important to protect yourself from potential scams.
Why would the NSLSC call me if my account is in good standing?
The NSLSC may call you even if your account is in good standing for various reasons. It could be to provide important updates or information about your loan, to verify your contact details, or to offer assistance with managing your loan payments. It is always important to answer their calls and stay informed about your loan status.
Can the NSLSC call my workplace regarding my loan?
Generally, the NSLSC will not contact your workplace regarding your loan unless it is necessary to reach you and all other contact information has been unsuccessful. They will respect your privacy and make reasonable efforts to communicate with you directly. However, if there are specific circumstances where contacting your workplace is necessary, they may do so.
Will the NSLSC call me if I have missed a payment?
Yes, the NSLSC may call you if you have missed a payment. They have the right to contact you to discuss your repayment options and to remind you of your obligations.