Maintaining a good credit rating is important. A credit rating could make the difference in a bank's decision to loan you money. Always make your monthly payments on time. We recommend you pay by the 21st of the preceding month in order to allow enough time for payments to post to your account. If at any time you find you are not able to make a scheduled payment, know there are options available to avoid default. We offer several types of financial deferments. Refer to the link "Are you Eligible for Deferment?" All financial deferments use the same form. Simply select the deferment criteria you may be eligible for, print the form, and mail it to the Bursar's Office, PO Box 5190, Kent, OH 44242-0001. Once processed, you will receive a letter acknowledging eligibility. Always keep in contact with one of our Student Loan Specialists in the Bursar's office. They can help you maintain your credit rating.