LAVERNE A PALM 1068

2205 ROANOKE AV
NEWPORT NEWS, VA 23607

November 14, 2023

Info: This notice contains helpful reminders about your Income-Contingent Repayment Plan.

Account: EXXXXX3699
Dear LAVERNE,

Your federal student loan in Group AI is currently on the Income-Contingent Repayment (ICR) Plan, and your regular
monthly payment amount is $916.16. Your ICR Plan must be recertified annually. If we do not receive your recertification
application and income documentation by your next annual recertification deadline, your regular monthly payment
amount will remain $916.16.

Recalculating Your Payment Amount

Each year your student loan(s) is on the ICR Plan, we will remind you that if your income decreases or your family size
increases, you may ask us anytime to recalculate your regular monthly payment amount by submitting your current
income documentation and family size.

To request that your regular monthly payment amount be recalculated, log in to StudentAid.gov, select the Manage
Loans drop-down in the menu, then choose Apply for an Income-Driven Repayment Plan. You can securely transfer
your federal tax return information to Nelnet, which may expedite your request. You may apply for a different repayment
plan anytime by logging in to your Nelnet.com account. If you need assistance, please call us at the number below.

Once we receive your completed application and income documentation, we will review your request and determine your
regular monthly payment amount. We will send a letter informing you if your payment amount will change or remain the
same.

Questions? We’re here for you. Visit Nelnet.com or call us at 888.486.4722 from 8 a.m. to 9 p.m. (Eastern) Monday, 8
a.m. to 8 p.m. Tuesday and Wednesday, and 8 a.m. to 6 p.m. Thursday and Friday.

Sincerely,
Your Nelnet Customer Service Team

FB.com/Nelnet | @Nelnet P.O. Box 82561 | Lincoln, NE 68501 | p. 888.486.4722 |

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Help@Nelnet.net | Nelnet.com