When you graduated you promised to pay your loans. And you meant to.
But then you went to grad school. Or your rent got out of control, and your new job pays way less than expected. Or you lost your job.
No matter the reason, it is important to recognize when you're in trouble — you do not want to become one of the more than 40% of Americans who have gotten three months or more behind on student loan repayments.
Even falling late by less time might slide you into a danger zone: Delinquency and default can seriously hurt your credit.
If this sounds like you, remember that you might be able to take advantage of programs that will keep you from drowning: loan...