内容摘要：“Rates will be coming down, but we shouldn’t expect them to come down quickly overall,” he said.

“Rates will be coming down, but we shouldn’t expect them to come down quickly overall,” he said.

“We’ve heard borrowers being in hold for three or four hours, then being transferred to a supervisor and then being hung up on, after all that wait time. It’s incredibly frustrating,” Abrams said.If you’re delinquent, try to get back on track. Borrowers who don’t make their payments for 270 days go into default, which has severe consequences.

“If you’re delinquent but have not defaulted yet, do whatever you can do to avoid going default,” said Kate Wood, a student loans expert at NerdWallet.Borrowers who are delinquent on their student loans take a massive hit on their credit scores, which could drop 100 points or more, Wood said. A delinquency stays on your credit report for seven years.Wood recommends contacting your servicer to ask for options, which can include forbearance, deferment or applying for an income-driven repayment plan.

The Education Department is recommending borrowers visit itsto make a monthly payment, enroll in an income-driven repayment plan or sign up for loan rehabilitation.

Betsy Mayotte, president of The Institute for Student Loan Advisors, recommends loan rehabilitation.

Borrowers in default must ask their loan servicer to be placed into such a program. Typically, servicers ask for proof of income and expenses to calculate a payment amount. Once a borrower has paid on time for nine months in a row, they are taken out of default, Mayotte said. A loan rehabilitation can only be done once.Madonna, whose family hails from Italy’s Abruzzo region, has been in Italy for several days, reportedly as a guest of designers Domenico Dolce and Stefano Gabbana.

On Tuesday evening, she was filmed taking an evening walk in the Ligurian resort of Portofino wearing black lace and carrying an umbrella. She later dined with her two daughters and entourage at Portofino’s famous Puny Restaurant on the main piazza.Madonna ended her respective “Celebration Tour” in May with a free concert on Copacabana beach in Rio de Janeiro.

An email to Madonna’s publicist was not immediately returned.MADRID (AP) — It’s the eyes peering from the canvases that get him, their gaze piercing the boundary between art and life.