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I probably already know the answer before I ask the question, but there's no harm in asking.

My girlfriend has a modestly-sized student loan, which she pays regularly. Unfortunately, the loan company only sends her statements (and payment stubs) sporadically. For instance, for the month of September, she received no bill, and two days ago she was advised she was past due (of course!)

All frustration and fuming aside, is their deeming her past due appropriate?

My first instinct is "absolutely." But even so, I think she should be cut some slack. If you didn't receive an electricity bill one month, would you think to pay it? Well, I might... But this is my girlfriend and she didn't.

She will call them, as soon as I pester her beyond her limit, but what else can she do to straighten them out? If she writes them a letter protesting, will she receive any satisfaction?


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