<html xmlns:v="urn:schemas-microsoft-com:vml" xmlns:o="urn:schemas-microsoft-com:office:office" xmlns:w="urn:schemas-microsoft-com:office:word" xmlns:m="http://schemas.microsoft.com/office/2004/12/omml" xmlns="http://www.w3.org/TR/REC-html40">
<head>
<meta http-equiv="Content-Type" content="text/html; charset=utf-8">
<meta name="Generator" content="Microsoft Word 14 (filtered medium)">
<!--[if !mso]><style>v\:* {behavior:url(#default#VML);}
o\:* {behavior:url(#default#VML);}
w\:* {behavior:url(#default#VML);}
.shape {behavior:url(#default#VML);}
</style><![endif]--><style><!--
/* Font Definitions */
@font-face
        {font-family:"Cambria Math";
        panose-1:2 4 5 3 5 4 6 3 2 4;}
@font-face
        {font-family:Calibri;
        panose-1:2 15 5 2 2 2 4 3 2 4;}
@font-face
        {font-family:Verdana;
        panose-1:2 11 6 4 3 5 4 4 2 4;}
/* Style Definitions */
p.MsoNormal, li.MsoNormal, div.MsoNormal
        {margin:0in;
        margin-bottom:.0001pt;
        font-size:12.0pt;
        font-family:"Times New Roman","serif";}
a:link, span.MsoHyperlink
        {mso-style-priority:99;
        color:blue;
        text-decoration:underline;}
a:visited, span.MsoHyperlinkFollowed
        {mso-style-priority:99;
        color:purple;
        text-decoration:underline;}
p
        {mso-style-priority:99;
        mso-margin-top-alt:auto;
        margin-right:0in;
        mso-margin-bottom-alt:auto;
        margin-left:0in;
        font-size:12.0pt;
        font-family:"Times New Roman","serif";}
p.head1, li.head1, div.head1
        {mso-style-name:head1;
        mso-margin-top-alt:auto;
        margin-right:0in;
        mso-margin-bottom-alt:auto;
        margin-left:0in;
        font-size:13.5pt;
        font-family:"Verdana","sans-serif";
        color:black;}
p.text1, li.text1, div.text1
        {mso-style-name:text1;
        mso-margin-top-alt:auto;
        margin-right:0in;
        mso-margin-bottom-alt:auto;
        margin-left:0in;
        font-size:10.5pt;
        font-family:"Verdana","sans-serif";
        color:black;}
p.text2, li.text2, div.text2
        {mso-style-name:text2;
        mso-margin-top-alt:auto;
        margin-right:0in;
        mso-margin-bottom-alt:auto;
        margin-left:0in;
        font-size:7.5pt;
        font-family:"Verdana","sans-serif";
        color:black;}
p.text3, li.text3, div.text3
        {mso-style-name:text3;
        mso-margin-top-alt:auto;
        margin-right:0in;
        mso-margin-bottom-alt:auto;
        margin-left:0in;
        font-size:7.5pt;
        font-family:"Verdana","sans-serif";
        color:#010101;
        font-weight:bold;}
p.text4, li.text4, div.text4
        {mso-style-name:text4;
        mso-margin-top-alt:auto;
        margin-right:0in;
        mso-margin-bottom-alt:auto;
        margin-left:0in;
        font-size:7.5pt;
        font-family:"Verdana","sans-serif";
        color:white;
        font-weight:bold;}
p.text5, li.text5, div.text5
        {mso-style-name:text5;
        mso-margin-top-alt:auto;
        margin-right:0in;
        mso-margin-bottom-alt:auto;
        margin-left:0in;
        font-size:7.5pt;
        font-family:"Verdana","sans-serif";
        color:#666666;}
p.text6, li.text6, div.text6
        {mso-style-name:text6;
        mso-margin-top-alt:auto;
        margin-right:0in;
        mso-margin-bottom-alt:auto;
        margin-left:0in;
        font-size:7.5pt;
        font-family:"Verdana","sans-serif";
        color:#FFCC66;
        font-weight:bold;
        font-style:italic;}
p.articlehead, li.articlehead, div.articlehead
        {mso-style-name:articlehead;
        mso-margin-top-alt:auto;
        margin-right:0in;
        mso-margin-bottom-alt:auto;
        margin-left:0in;
        font-size:9.0pt;
        font-family:"Verdana","sans-serif";
        color:#010101;
        font-weight:bold;}
p.brder, li.brder, div.brder
        {mso-style-name:brder;
        mso-margin-top-alt:auto;
        margin-right:0in;
        mso-margin-bottom-alt:auto;
        margin-left:0in;
        border:none;
        padding:0in;
        font-size:12.0pt;
        font-family:"Times New Roman","serif";}
p.style1, li.style1, div.style1
        {mso-style-name:style1;
        mso-margin-top-alt:auto;
        margin-right:0in;
        mso-margin-bottom-alt:auto;
        margin-left:0in;
        font-size:10.5pt;
        font-family:"Times New Roman","serif";}
p.style2, li.style2, div.style2
        {mso-style-name:style2;
        mso-margin-top-alt:auto;
        margin-right:0in;
        mso-margin-bottom-alt:auto;
        margin-left:0in;
        font-size:9.0pt;
        font-family:"Verdana","sans-serif";
        color:black;}
span.text31
        {mso-style-name:text31;
        font-family:"Verdana","sans-serif";
        color:#010101;
        font-weight:bold;}
span.EmailStyle30
        {mso-style-type:personal-reply;
        font-family:"Calibri","sans-serif";
        color:#1F497D;}
.MsoChpDefault
        {mso-style-type:export-only;
        font-family:"Calibri","sans-serif";}
@page WordSection1
        {size:8.5in 11.0in;
        margin:1.0in 1.0in 1.0in 1.0in;}
div.WordSection1
        {page:WordSection1;}
--></style><!--[if gte mso 9]><xml>
<o:shapedefaults v:ext="edit" spidmax="1026" />
</xml><![endif]--><!--[if gte mso 9]><xml>
<o:shapelayout v:ext="edit">
<o:idmap v:ext="edit" data="1" />
</o:shapelayout></xml><![endif]-->
</head>
<body bgcolor="white" lang="EN-US" link="blue" vlink="purple">
<div class="WordSection1">
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal" align="center" style="text-align:center"><o:p> </o:p></p>
<div align="center">
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="595" style="width:357.0pt">
<tbody>
<tr>
<td colspan="2" valign="bottom" style="padding:0in 0in 0in 0in">
<p class="MsoNormal"><span style="font-size:7.5pt;font-family:"Verdana","sans-serif""><img id="_x0000_i1025" src="http://mappingyourfuture.org/images/TipOfWeekH1.gif"><o:p></o:p></span></p>
</td>
</tr>
<tr style="height:53.4pt">
<td width="341" valign="top" style="width:204.6pt;padding:0in 0in 0in 0in;height:53.4pt">
<p class="MsoNormal"><span style="font-size:7.5pt;font-family:"Verdana","sans-serif""><img id="_x0000_i1026" src="http://mappingyourfuture.org/images/TipOfWeekH2.gif"><o:p></o:p></span></p>
</td>
<td valign="top" style="padding:0in 0in 0in 0in;height:53.4pt">
<p align="center" style="text-align:center"><span style="font-size:7.5pt;font-family:"Verdana","sans-serif""> <o:p></o:p></span></p>
<div>
<p class="MsoNormal" align="center" style="text-align:center"><span style="font-size:13.5pt;font-family:"Verdana","sans-serif";color:black">Grace Periods<o:p></o:p></span></p>
</div>
<p class="MsoNormal" align="center" style="text-align:center"><span style="font-size:7.5pt;font-family:"Verdana","sans-serif""><br>
<a href="http://mappingyourfuture.org/Newsroom/">Newsroom</a> • <a href="http://mappingyourfuture.org/Feedback/feedbackType.cfm">
Contact Us</a> • <a href="http://mappingyourfuture.org">Home</a> • <a href="http://mappingyourfuture.org/about/donate.htm">
Donate</a>   <o:p></o:p></span></p>
<p align="center" style="text-align:center"><span style="font-size:7.5pt;font-family:"Verdana","sans-serif""> <o:p></o:p></span></p>
</td>
</tr>
<tr>
<td colspan="2" valign="top" style="background:white;padding:0in 0in 0in 0in">
<p><span style="font-size:10.5pt;font-family:"Verdana","sans-serif";color:black">Spring 2013 graduates and students that dropped below half-time status after the spring semester or during the summer are going to enter
<a href="http://mappingyourfuture.org/paying/studentloanrepayment.htm">repayment</a> soon.
<o:p></o:p></span></p>
<p><span style="font-size:10.5pt;font-family:"Verdana","sans-serif";color:black">It is essential that borrowers understand their grace period is coming to an end and they need to begin preparing, if they haven't already, for their loans to enter repayment.
 This includes working with their <a href="http://mappingyourfuture.org/paying/loanservicers.htm">
loan servicer</a> to select a repayment program and preparing their personal budgets accordingly.<o:p></o:p></span></p>
<p><span style="font-size:10.5pt;font-family:"Verdana","sans-serif";color:black">Remember to reach out to these borrowers and help them prepare or
<a href="http://mappingyourfuture.org/oslc/counseling/index.cfm?act=Intro&OslcTypeID=49">
offer them guidance</a> if they have questions about their options. This will help not only your borrowers, but also help your school's cohort default rate.
<o:p></o:p></span></p>
</td>
</tr>
<tr>
<td colspan="2" valign="top" style="background:#050537;padding:0in 0in 0in 0in">
<p class="text4" align="center" style="text-align:center">Support Mapping Your Future<o:p></o:p></p>
<p class="text6" align="center" style="text-align:center"><span class="text31"><a href="http://www.mappingyourfuture.org/about/donate.htm"><span style="text-decoration:none"><img border="0" width="120" height="59" id="_x0000_i1027" src="http://www.mappingyourfuture.org/images/Donate_Now_button.jpg" alt="Donate Now"></span></a><a href="http://www.goodsearch.com/" target="_blank"><span style="text-decoration:none"><img border="0" width="120" height="60" id="_x0000_i1028" src="http://www.mappingyourfuture.org/images/GoodSearch_button.jpg" alt="GoodSearch"></span></a></span><o:p></o:p></p>
</td>
</tr>
<tr>
<td colspan="2" valign="top" style="background:white;padding:0in 0in 0in 0in">
<p class="text5" align="center" style="text-align:center">To subscribe, forward this message to
<a href="mailto:enews@mappingyourfuture.org">enews@mappingyourfuture.org</a> with a subject line of
<span class="text31">"<a href="mailto:enews@mappingyourfuture.org?subject=Subscribe">Subscribe</a>".</span>
<br>
To unsubscribe at any time, reply to this message, changing the subject line to <span class="text31">
"<a href="mailto:enews@mappingyourfuture.org?subject=Unsubscribe">Unsubscribe</a>".</span><o:p></o:p></p>
<p class="text5" align="center" style="text-align:center">Mapping Your Future®, Inc.
<br>
P.O. Box 5176, Round Rock, TX 78683-5176 <o:p></o:p></p>
</td>
</tr>
</tbody>
</table>
</div>
<p class="MsoNormal"><o:p> </o:p></p>
</div>
</body>
</html>