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This means the loan will price the borrower more in the long term, but it may make the loan easier for the borrower to repay. Being in default is outlined differently for various loans. Basically, it means being delinquent in repaying a scholar loan more than a certain number of days or failure to comply with any of the other terms of the promissory notice. Generally lacking one cost doesn't mean the borrower is in default. You may also wish to think about using a loan broker to source your onerous cash money online loan loan. Reputable brokers spend lots of time building relationships with direct lenders.