Abalone have unique features: the shell is round, with two to three spirals. The last spiral is grown into a large ear-like shape, which explains the name 'ear-shell'. The inside of the shell is shiny, from silvery white to green-red mother-of-pearl. Abalones can start to give birth at a small size.
1 This status can act a bit like a red flag to both you and the lender. 2  After a payment reaches 90 days past due the delinquent status will be reported to the three major credit bureaus and a mark negative mark will be added to your credit report.  After 270 days past due, a student loan is considered to be in default.
Once you reach 120 days or so, you need to act very quickly to avoid default. [Understand how late student loan payments affect your credit score.] 241 to 269 Days Past Due. Once you hit 240 days past due, your lender will send you a final demand letter requesting payment of the full loan balanceâ within 30 days.