mostBorrowers will paythe _____ interestover time with theExtendedGraduatedRepayment plan.IDRFor the bestsolution hierarchy,what should yousuggest firstbefore anythingelse?ICRWhich IDR planis available toParent PLUSborrowers aftertheyconsolidate?NegativeAmortizationWhat is it calledwhen the monthlypayment calculationdoes not cover theamount of interestaccruing eachmonth?361+dayspast dueAccounts thatare___________cannot bebrought current.2Graduatedrepaymentplan paymentsincrease every_____ years.lowestinitialpaymentoptionThe ExtendedRepayment planis the______________for Parent PLUSloans.4:00pmESTTotal payoff fortoday is onlygood until_____________.DRHBThe borrower is in arehab program forvocational rehab, drugabuse, mental healthtreatment, alcoholabuse, or rehabtraining for disabledindividuals by the Dept.of Veteran’s Affairs.12All IDR plansare active for_______months.ParentPLUS___________loans do notqualify forany IDR plan.DUEMThe borrower isregistered with apublic or privateemployment agencyor is receivingunemploymentbenefits.SubsidizedWhat loansbenefit themost from adeferment?FORCAll Federally-Owned loanaccounts receivedthis forbearanceautomatically on3/13/2020.DSTUThe benefitingstudent isenrolled at leasthalf-time at aTitle IV School.FRABThe borrowerhas filedChapter 7 orChapter 13bankruptcy.120The Standard andGraduatedrepayment planshave____________monthly payments.DSUMThe borrower isenrolled at least half-time at a Title IV schoolduring the previousterm and plans toenroll at least half-timeat a Title IV school nextterm.IBRWhat IDR plando FFELPborrowersqualify for (outof the main 4)?240How manyqualifyingpayments does aborrower need tomake forforgiveness on thePAYE plan?100%How much of thenegativeamortized interestwill thegovernment coverif the borrower ison the SAVE plan?$50The payment cannever be lessthan____________for the StandardRepayment Plan.capitalizeUnpaid interestwill__________ atthe end of anydeferment.20%What percentageof the borrower'sdiscretionaryincome is used tocalculate themonthly paymentfor ICR?lengthof loantermFor Term-Based plans,payments are basedon outstandingbalance, interest rate,and__________________.5FFELPborrowers canuse the ISRplan for amaximum of_______ years.7/1/2006What dateseparatesPre-HERAfrom Post-HERA?.25%Borrowers whochoose to sign upfor AutoPay canget a _______discount on theirinterest rate foreach loan.$0How low can aborrower'smonthlypayment be onan IDR plan?DHARThe borrower is on thisdeferment with anotherservicer, or receivesfederal/state publicassistance, or serves inthe PeaceCorp, or worksfull-time but falls belowthe poverty guideline fortheir household size.10-dayPIFamountIf a borrower ismailing a payoffpayment, weshould quote a___________.$30KA borrower'sminimum loanbalance must be atleast _____________to be eligible for theExtended RepaymentPlans.FixedFor Level Term-Based plans,payments are_________(never change).FORVDiscretionaryforbearancethat sharestimes with theLow PayForbearance.RepaymentWhat statusdoes aborrower'sloans need tobe eligible forAutoPay?RepaymentCalculatorWhat willCSRs use toget paymentestimates forborrowers?leastBorrowers will paythe ________amount of intereston the Standardrepayment plan.SAVEWhich IDRplan isconsidered thebest for mostborrowers?DSCHThe borrower is on thisdeferment with anotherservicer, or receivesfederal/state publicassistance, or serves inthe PeaceCorp, or worksfull-time but falls belowthe poverty guideline fortheir household size.mostBorrowers will paythe _____ interestover time with theExtendedGraduatedRepayment plan.IDRFor the bestsolution hierarchy,what should yousuggest firstbefore anythingelse?ICRWhich IDR planis available toParent PLUSborrowers aftertheyconsolidate?NegativeAmortizationWhat is it calledwhen the monthlypayment calculationdoes not cover theamount of interestaccruing eachmonth?361+dayspast dueAccounts thatare___________cannot bebrought current.2Graduatedrepaymentplan paymentsincrease every_____ years.lowestinitialpaymentoptionThe ExtendedRepayment planis the______________for Parent PLUSloans.4:00pmESTTotal payoff fortoday is onlygood until_____________.DRHBThe borrower is in arehab program forvocational rehab, drugabuse, mental healthtreatment, alcoholabuse, or rehabtraining for disabledindividuals by the Dept.of Veteran’s Affairs.12All IDR plansare active for_______months.ParentPLUS___________loans do notqualify forany IDR plan.DUEMThe borrower isregistered with apublic or privateemployment agencyor is receivingunemploymentbenefits.SubsidizedWhat loansbenefit themost from adeferment?FORCAll Federally-Owned loanaccounts receivedthis forbearanceautomatically on3/13/2020.DSTUThe benefitingstudent isenrolled at leasthalf-time at aTitle IV School.FRABThe borrowerhas filedChapter 7 orChapter 13bankruptcy.120The Standard andGraduatedrepayment planshave____________monthly payments.DSUMThe borrower isenrolled at least half-time at a Title IV schoolduring the previousterm and plans toenroll at least half-timeat a Title IV school nextterm.IBRWhat IDR plando FFELPborrowersqualify for (outof the main 4)?240How manyqualifyingpayments does aborrower need tomake forforgiveness on thePAYE plan?100%How much of thenegativeamortized interestwill thegovernment coverif the borrower ison the SAVE plan?$50The payment cannever be lessthan____________for the StandardRepayment Plan.capitalizeUnpaid interestwill__________ atthe end of anydeferment.20%What percentageof the borrower'sdiscretionaryincome is used tocalculate themonthly paymentfor ICR?lengthof loantermFor Term-Based plans,payments are basedon outstandingbalance, interest rate,and__________________.5FFELPborrowers canuse the ISRplan for amaximum of_______ years.7/1/2006What dateseparatesPre-HERAfrom Post-HERA?.25%Borrowers whochoose to sign upfor AutoPay canget a _______discount on theirinterest rate foreach loan.$0How low can aborrower'smonthlypayment be onan IDR plan?DHARThe borrower is on thisdeferment with anotherservicer, or receivesfederal/state publicassistance, or serves inthe PeaceCorp, or worksfull-time but falls belowthe poverty guideline fortheir household size.10-dayPIFamountIf a borrower ismailing a payoffpayment, weshould quote a___________.$30KA borrower'sminimum loanbalance must be atleast _____________to be eligible for theExtended RepaymentPlans.FixedFor Level Term-Based plans,payments are_________(never change).FORVDiscretionaryforbearancethat sharestimes with theLow PayForbearance.RepaymentWhat statusdoes aborrower'sloans need tobe eligible forAutoPay?RepaymentCalculatorWhat willCSRs use toget paymentestimates forborrowers?leastBorrowers will paythe ________amount of intereston the Standardrepayment plan.SAVEWhich IDRplan isconsidered thebest for mostborrowers?DSCHThe borrower is on thisdeferment with anotherservicer, or receivesfederal/state publicassistance, or serves inthe PeaceCorp, or worksfull-time but falls belowthe poverty guideline fortheir household size.

Best Solution - Call List

(Print) Use this randomly generated list as your call list when playing the game. There is no need to say the BINGO column name. Place some kind of mark (like an X, a checkmark, a dot, tally mark, etc) on each cell as you announce it, to keep track. You can also cut out each item, place them in a bag and pull words from the bag.


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  1. Borrowers will pay the _____ interest over time with the Extended Graduated Repayment plan.
    most
  2. For the best solution hierarchy, what should you suggest first before anything else?
    IDR
  3. Which IDR plan is available to Parent PLUS borrowers after they consolidate?
    ICR
  4. What is it called when the monthly payment calculation does not cover the amount of interest accruing each month?
    Negative Amortization
  5. Accounts that are ___________ cannot be brought current.
    361+ days past due
  6. Graduated repayment plan payments increase every _____ years.
    2
  7. The Extended Repayment plan is the ______________ for Parent PLUS loans.
    lowest initial payment option
  8. Total payoff for today is only good until _____________.
    4:00 pm EST
  9. The borrower is in a rehab program for vocational rehab, drug abuse, mental health treatment, alcohol abuse, or rehab training for disabled individuals by the Dept. of Veteran’s Affairs.
    DRHB
  10. All IDR plans are active for _______ months.
    12
  11. ___________ loans do not qualify for any IDR plan.
    Parent PLUS
  12. The borrower is registered with a public or private employment agency or is receiving unemployment benefits.
    DUEM
  13. What loans benefit the most from a deferment?
    Subsidized
  14. All Federally-Owned loan accounts received this forbearance automatically on 3/13/2020.
    FORC
  15. The benefiting student is enrolled at least half-time at a Title IV School.
    DSTU
  16. The borrower has filed Chapter 7 or Chapter 13 bankruptcy.
    FRAB
  17. The Standard and Graduated repayment plans have ____________ monthly payments.
    120
  18. The borrower is enrolled at least half-time at a Title IV school during the previous term and plans to enroll at least half-time at a Title IV school next term.
    DSUM
  19. What IDR plan do FFELP borrowers qualify for (out of the main 4)?
    IBR
  20. How many qualifying payments does a borrower need to make for forgiveness on the PAYE plan?
    240
  21. How much of the negative amortized interest will the government cover if the borrower is on the SAVE plan?
    100%
  22. The payment can never be less than ____________ for the Standard Repayment Plan.
    $50
  23. Unpaid interest will __________ at the end of any deferment.
    capitalize
  24. What percentage of the borrower's discretionary income is used to calculate the monthly payment for ICR?
    20%
  25. For Term-Based plans, payments are based on outstanding balance, interest rate, and __________________.
    length of loan term
  26. FFELP borrowers can use the ISR plan for a maximum of _______ years.
    5
  27. What date separates Pre-HERA from Post-HERA?
    7/1/2006
  28. Borrowers who choose to sign up for AutoPay can get a _______ discount on their interest rate for each loan.
    .25%
  29. How low can a borrower's monthly payment be on an IDR plan?
    $0
  30. The borrower is on this deferment with another servicer, or receives federal/state public assistance, or serves in the PeaceCorp, or works full-time but falls below the poverty guideline for their household size.
    DHAR
  31. If a borrower is mailing a payoff payment, we should quote a ___________.
    10-day PIF amount
  32. A borrower's minimum loan balance must be at least _____________ to be eligible for the Extended Repayment Plans.
    $30K
  33. For Level Term-Based plans, payments are _________ (never change).
    Fixed
  34. Discretionary forbearance that shares times with the Low Pay Forbearance.
    FORV
  35. What status does a borrower's loans need to be eligible for AutoPay?
    Repayment
  36. What will CSRs use to get payment estimates for borrowers?
    Repayment Calculator
  37. Borrowers will pay the ________ amount of interest on the Standard repayment plan.
    least
  38. Which IDR plan is considered the best for most borrowers?
    SAVE
  39. The borrower is on this deferment with another servicer, or receives federal/state public assistance, or serves in the PeaceCorp, or works full-time but falls below the poverty guideline for their household size.
    DSCH