Department of Education Logo Questions About Your Statement?

  Phone: 855.337.6884
  Email: Ed nancial.com/Contact
KENNETH J SMITH Online: Ed nancial.com
229 COUNTRY CLUB RD
HOLLAND , MI 49423-3859 Log In to Your Account at Ed nancial.com
With your online account you have 24/7 access to:
View your account summary
Make a payment
Explore options to lower or postpone your payments
Your Student Loan Account Details Change your KwikPay information

for This Month's Billing Cycle

2017 Tax Information
We're preparing your tax information to show you how much
Account F810995600 student loan interest you paid in 2017. On or after January 31, you
Statement Date 12/4/2017 may log into ed nancial.com to view or print your tax information
or call 855.337.6884. The information will also be available on your
Current Balance $2,104.15 statement and/or via a letter sent to you in January or February.

Last Payment (E ective 11/28/2017) $52.92

Thanks for Your Payment
Regular Monthly Payment Amount $52.92 You are currently enrolled in auto debit payments. This statement
is for your information only. Thanks for making your payments on
Amount Already Paid for This Month - $0.00 time!
Past Due Amount (if applicable) + $0.00
Special Payment Instructions
Current Amount Due $52.92 You have the option to direct your payments (including partial
We encourage you to continue to make monthly payments even if your amount due is $0 because payments) to individual loans or loan groups, as a one-time or
interest may continue to accrue. Otherwise, your next payment is due on 12/28/2017. recurring special payment instruction. Please refer to the Special
Payment Instructions section on the back side of this statement for
more details.

Next KwikPay $52.92 on 12/28/2017

This amount may be di erent than the current amount due if you are paid ahead, are past due,
or have elected to pay an additional amount.

KwikPay
ENROLLED

Questions about your payment amount? See the Payments section on the back.

Please detach and send the bottom portion with your payment.
MAKE CHECKS PAYABLE (IN U.S. DOLLARS) TO: U.S. DEPARTMENT OF EDUCATION  

Payments returned due to non-su cient funds may be re-attempted. Please write your account number on your check or money order. DO NOT SEND CASH.

Check this box for change of contact information or if you have special
Amount Enclosed $ , . payment instructions. See reverse side.

New address or phone number? Log in to Ed nancial.com to update your

Account F810995600 information.

Current Statement Due Date 12/28/2017

Current Amount Due $52.92

Barcode
U.S. Department of Education
P.O. Box 105193
Atlanta, GA 30348-5193
 NB30810995600 6 0005292 0

Contact Us: Phone: 855.337.6884       Email: Ed nancial.com/Contact       Web: Ed nancial.com Correspondence Address: P.O. Box 36008, Knoxville, TN 37930-6008

Account Snapshot: Group A

Loan Type DIRECT CONSOL

Original Principal Amount $ 4,999.66
Lender Name EDLNC
Interest Rate 3.125%
Daily Interest* $ 0.18
Estimated Interest* on 12/28/2017 $ 5.41
Regular Monthly Payment Amount $ 52.92
Outstanding Principal Balance $ 2,102.88
Estimated Payo * Through 12/28/2017 $ 2,108.29
Repayment Plan STANDARD

Payment Summary:
Principal Paid Through 12/4/2017 $ 2,251.74
Interest Paid Through 12/4/2017 $ 523.69
Amount Paid Through 12/4/2017 $ 2,775.43
Total Amount Paid Since Last Statement $ 52.92
      Applied to Interest $ 5.71
      Applied to Principal $ 47.21

Billing Details:
Past Due Amount $ 0.00
Amount Due $ 52.92
Due Date 12/28/2017

PAYMENT ALLOCATION. Multiple loans may be grouped by common characteristics, such as REPAYMENT OPTIONS. Options are available to lower payments with a repayment plan, sometimes
same loan type and lender. Unless you direct payments to an individual loan or loan group, as low as $0 a month, or postpone payments with a deferment or forbearance. You may be eligible
the standard allocation method is as follows. Payments are allocated first to past due groups. for Standard, Graduated, Extended, Income-Based, Income-Contingent, Pay As You Earn, or Revised
If the current amount due is not paid, payments are allocated across groups from most to Pay As You Earn repayment plans. To explore options or make changes that could help you avoid
least delinquent, in proportion to each group's regular monthly payment amount, less any default, call 855.337.6884 or log in to your account at Ed nancial.com. You can also visit the U.S.
amount already paid for that month until each group is at the same level of delinquency or Department of Education's website at StudentAid.ed.gov to review other options like consolidation.
all groups are up to date. Once all groups are up to date, payments are allocated across
During a deferment or forbearance, you are responsible for interest that accrues on your loans. If
groups in an active repayment status, in proportion to each group’s regular monthly
accrued interest is not paid before the deferment or forbearance ends, or an Income-Driven
payment amount, less any amount already paid for that month. After your current amount due
Repayment Plan is not recerti ed timely, interest will be added to your outstanding principal
is paid, payments are allocated across groups in proportion to each group's regular monthly
balance, which will increase the overall amount you’ll have to pay. *If loans are in a deferment or on
payment amount. If your loans are not in repayment, payments are allocated in proportion to each
an Income-Driven Repayment Plan that o ers an interest subsidy, the daily interest, estimated
group’s accrued interest. Once a portion of your payment is allocated to a specific group, it is
interest, and estimated payo shown above may be overstated because they include subsidized
applied proportionally to the individual loans in the group, rst to interest and then principal. Visit
and non-subsidized accrued interest.
Ed nancial.com/HelpCenter/Ways-to-Make-a-Payment for more information.
REPAYMENT SCHEDULE. Log in to your account at Ed nancial.com to view your repayment
DIRECTING PAYMENTS TO LOANS OR LOAN GROUPS. You can direct payments (including
schedule, repayment plan, and other student loan information or call 855.337.6884.
partial payments) to individual loans or groups. See Special Payment Instructions below.
AUTHORIZATION FOR ELECTRONIC DEBIT. If you provide a check as payment, you authorize us to
DUE DATE ADVANCEMENT. While in repayment, each time you pay a loan group's regular monthly
use information from your check to make a one-time electronic transfer from your account or
payment amount, we will advance your due date by one month. If you make a partial payment, your
process the payment as a check transaction. When we use information from your check to make an
current amount due will be reduced by the amount already paid. If your current amount due on an
electronic fund transfer, funds may be withdrawn from your account as soon as the same day we
Income-Driven Repayment Plan is $0, prepayments will not advance your due date. You can
receive your payment, and you will not receive your check back from your financial institution.
instruct us to not advance your due date more than one month, as a one-time or recurring
Payments returned due to non-su cient funds may be re-attempted a maximum of one time.
instruction. See Special Payment Instructions below. By selecting this option, your due date
will only advance a single month, even though you have paid more than the current amount DISCHARGE AND FORGIVENESS. You may be eligible for discharge due to disability, death, and
due. If your account is already paid ahead, selecting this option will keep your due date from bankruptcy (in rare cases), or forgiveness for teachers and public service employment. To explore
advancing further, or call 855.337.6884 if you want your regular monthly payment amount to options, call 855.337.6884.
be due the next month.
PRIVACY NOTICE. You may review our policy and practices with respect to your personal
PREPAYMENTS. If you receive a statement for $0 due, you may have paid extra in the past, which information at Ed nancial.com/privacy-and-security, or call 855.337.6884 for a free copy.
fully covered this month’s payment, or your repayment plan requires no payment at this time. You
ALTERNATIVE FORMATS. Current and prospective borrowers are entitled to receive any student
can always pay more without penalty, which will reduce your total cost of borrowing and save you
loan related communication or document in an accessible, alternative format.  Borrowers
money in the long run. If you aren’t required to make a payment this month, you won’t be
interested in receiving student aid forms, student loan statements, notices, written
considered past due if you don’t make a payment or you make a partial payment. To maintain
communications, and publications in alternative formats should contact us directly at 855.337.6884
eligibility for borrower bene ts, monthly payments may be required. To nd out if prepayments
or by email at CustomerService@Ed nancial.com. Ed nancial offers various alternative formats
qualify for borrower bene ts, call 855.337.6884. If you plan to pursue Public Service Loan
such as Braille, large print, audio CD, and digital navigable formats supported by computers and
Forgiveness, visit StudentAid.ed.gov/PublicService for information about prepayments and how a
digital talking-book players, delivered through data CD, email, or other electronic means.
paid-ahead status impacts qualifying payments.
DELINQUENCY IMPACT. If you don’t pay the current amount due, every loan group may
INTEREST ACCRUAL. Interest is calculated using simple interest and accrues daily based on your
become delinquent, be reported to consumer reporting agencies, and may lose eligibility for
outstanding principal balance. Visit Ed nancial.com/FAQs for more information.
borrower benefits. We encourage you to pay as much as you can, because interest accrues
LOAN PAYOFF. To get a payo quote for an individual loan, call 855.337.6884 or email daily on your outstanding principal balance.
CustomerService@Ed nancial.com
BORROWER BENEFITS. To verify your eligibility, earning progress, or award status for a borrower
bene t, log in to your account at Ed nancial.com or call 855.337.6884.

Please detach and send the bottom portion with your payment.

Payments Update Contact Information or Submit Special

Payment Instructions
Ways to Pay:
KwikPay and Online: Log in to Ed nancial.com Log in to your Ed nancial.com account to update your contact information online.
Phone: 855.337.6884
Check: Mail your payment using the preprinted address on the
front side of this coupon. You can also use the blank box to let us know if your contact information has changed, or to submit special
payment instructions.  
 
Special Payment Instructions:
 
You have the option to direct your payments (including partial payments) and/or not advance your
 
due date. Contact us to direct your payment to an individual loan or group of loans, as a one-time  
or recurring special payment instruction.  
 
Phone: 855.337.6884 Visit: Ed nancial.com/Contact  
Mail: Send instructions (including your account number) using our correspondence address: P.O.  
Box 36008, Knoxville, TN 37930-6008.
I certify that I am the subscriber to the provided cellular or other wireless number and I authorize the
You may also use the blank box located on the right to provide your special instructions. school, the lender, the guarantor, the department, and their respective agents and contractors to
contact me regarding servicing or repaying my loan(s) at any current and future numbers that I
Additionally, you may direct one-time payments to individual loan groups by logging in to provide for my cellular telephone or other wireless device using automatic dialing systems, arti cial
or pre-recorded messages, and/or SMS text messages, even if I will be charged by my service
Ed nancial.com and selecting Pay Now. If you want to direct future online payments to an
provider(s) for receiving such communications.
individual loan instead of directing to a loan group, you may request that your loans be ungrouped
by contacting us at 855.337.6884.