Alright, so a pre-default notice is like a heads-up saying your loan's been overdue for at least 61 days, and there's a chance things might go south if another payment's missed. We're all about giving you the heads-up and enough info to get your loan back on track and handle those payments like a champ.

Here's the scoop – you get a grace period of at least two weeks after the pre-default notice to bust out your next full payment. Hit that on time, and your account stays drama-free.

But if life's throwing curveballs, and you can't swing the full repayment within those two weeks, and your loan's 90 days in the red, default's on the horizon. We get stuff happens, so if you're in a pinch, hit us up ASAP. We're all about teaming up to figure out some other ways you can square things off.

Our top goal is making sure you rock at handling your loan duties and keep your financial game strong. Got questions or worries? Drop us a line – we're here to back you up and guide you on your success journey with us.