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Congratulations! You and your family should be very proud of your tremendous achievement. However, if you borrowed Federal Perkins Loan or Stafford Loan funds to help you with your educational and living expenses while attending the University of Central Missouri, please remember that you must repay the money borrowed, according to the terms of the legal promissory note(s) you signed. Falling behind in your federal loan payments, even unintentionally, can lead to default and an adverse credit history.