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Late Payments Hurt Your Credit Score. Please be aware that missing a payment or making a late payment can negatively impact your credit score. To protect yourself and your credit history, make sure you only accept loan terms that you can afford to repay.
If you cannot make a payment on time, you should contact your lender immediately and discuss how to handle late payments. Arthritis Health Center. Healthy Joints.
You can even have money withheld automatically from your paycheck to make sure you never miss a payment. Switching Jobs. If you lose your job or change jobs, you could lose access to your 401k. You can roll over the balance to a new account, but you cant roll over a loan that isnt paid off.
You have to pay it back at once or else treat it as a withdrawal and pay the tax and penalty on it. However, most employers give you a grace period of 60 days to pay back the loan if this happens.