Hello. Due to the new issues we all face. The Federal government suspended student loan payments for a few months. This means you will need to pay back the balance of your student loans after the suspension is over a petition is set to be filed on your behalf to extend the suspension of payments and definitely seeing you then have a zero dollar balance. Press five on your phone now if you are with Nell net now in Great Lakes or Fed Loan. If your service is not listed. Please press seven now. Thank you.