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Student activity fees, athletic fees, student insurance fees, and other fees not related to an academic course of instruction. The legal status of the real estate property is checked by means of prior filing of an application by the seller with the relevant real estate registry office for the issuance of un updated certificate of title with a layout or an updated record file to be submitted to the notary public. While early default is important, it generally does not explain most of the loans that go into default over the life of the loan because most defaults and foreclosures take place several years into the loan, not during the first 6 to 18 months. Extended repayment planit allows loan repayment to be extended over a period from generally 12 to 30 years, depending on the total amount borrowed. Any fee collected by the servicer for consenting to any such conveyance or entering into an assumption or substitution agreement shall be retained by or paid to the servicer as additional servicing compensation. Staff recommends that thse items be corrected.

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