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For more information about debt collection activities, you may contact the Federal Trade Commission at 877.FTC.HELP or at Under this Agreement, loan applications, Credit Agreements, communications, disclosures, notices, and other records you receive in electronic form from us will be considered in writing. Loan consolidation or refinance options are available to those who meet certain credit criteria.

I understand that my automatic debit may be reattempted through my bank a maximum of one time. I agree that any payments not honored are my responsibility, and Firstmark Services will not incur any liability or expense as a result. If sufficient funds are not in my bank account, I may be charged a returned payment fee. Three consecutive occurrences of returned payments will result in the cancellation of my automatic payment agreement. I understand that my monthly debit could be reattempted through my bank a maximum of one time.

Electronic Correspondence Agreement

The California Rosenthal Fair Debt Collection Practices Act and the Federal Fair Debt Collection Practices Act require that, except under unusual circumstances, collectors may not contact you before 8 a.m. They may not harass you by using threats of violence, arrest, or by using obscene language. Collectors may not use false or misleading statements or call you at your place of employment if they know, or have reason to know, you may not receive personal calls. Collectors may not tell another person, other than your attorney or spouse about your debt. Collectors may, however, contact another person to confirm your location or enforce a judgment.

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This allows the third party to obtain information and make changes to the account in the event of the borrower’s death. This authorization does not transfer or assign legal responsibility for the loan(s) to the designated representative. The website that you used to complete your loan application is not directly connected to the Firstmark Services website.

Frequently Asked Questions

If you are not a borrower or cosigner, or if your loan is not serviced by Firstmark Services, you will not see the loan listed. You will need to contact your xcritical servicer for more information. Our U.S.-based care team is available by phone and live chat Monday–Friday, 9am–8pm EST, and you can email us anytime. Simplify your student loans and save money to reach your financial goals faster.

Information on the Site includes descriptions of products and services available only in the United States of America. If any part of these Terms is unlawful, void, or unenforceable, that part will be deemed severable and will not affect the validity and enforceability of the remaining Terms. To the extent links are provided from the Site to other websites that are not managed by Nelnet, Nelnet does not operate or control any information, products, or services on, nor endorse nor approve any products, services, or information offered at those sites. These terms and conditions are subject to change without notice. I understand and acknowledge that Firstmark Services will not initiate any entries that violate the laws of the United States, including without limitation regulations of, and sanctions enforced by, the Office of Foreign Asset Control.


An Authorized Party is a defined as a borrower, cosigner, or a third party (spouse, parent, etc.) who has been designated on a Release of Authorization form. This allows the third party to obtain information, but they are not allowed to make changes to the account. A third party may also speak on the account one time if given verbal permission by the borrower or co-signer during the same phone call.

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However, unpaid interest can accrue under certain circumstances. For example, you are not required to make monthly payments during a period of forbearance or deferment, but interest continues to accrue during that period, and you are responsible for paying the interest. When the interest on your loan is not paid as it accrues during periods when you are responsible for paying the interest, your lender may capitalize the unpaid interest. This increases the outstanding principal amount due on the loan. Interest is then charged on that higher principal balance, increasing the overall cost of the loan. Depending on your repayment plan, capitalization may also cause your monthly payment amount to increase.

Copyrights, Trademarks, and Servicemarks

Our privacy policy, which you may view at xcritical (the «Privacy Policy»), is incorporated herein by reference. By accepting these Terms, you expressly consent to the use and disclosure of your personally identifiable and other information as described in the Privacy Policy. If you use this Site in a manner that requires you to set up an account with a user name and password, you are responsible for maintaining the confidentiality of that user name and password and for restricting access to your computer. You agree to accept all risk and responsibility for all activities that occur under your user name and password.


If any change is unacceptable to you, your only recourse is to terminate your use of the Site. Nelnet may also change, move portions of, delete portions of, or add to the Site from time to time. There may be repayment options available to help make your monthly payment more manageable. Dependent on your loan program, you may be elegivle go have cosigner release from your loan. A Release of Authorization form allows a third party (spouse, parent, etc.) to obtain information about your loan. The legal responsibility for a loan remains with the borrower and any cosigners.

You may make additional one-time payments without disrupting your monthly auto debit. Extra payments will be applied in accordance with our standard allocation method. If your minimum monthly payment amount changes, your authorized debit amount will automatically adjust to the new required monthly amount, unless you selected a payment amount higher than the new minimum payment required.


Once the refund is received by Firstmark, it will be applied directly to the xcritical principal balance. If you receive a statement for $0 due, it may mean you paid extra in the past which fully covered this month’s regular monthly payment amount, or your xcritical repayment plan requires no payments at this time. You can always pay more without penalty, which will reduce your total cost of borrowing and save you money in the long run.

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