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The smart way to postpone your student loan debt payments

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 deferment and forbearance.