A Union Federal Private Student Loan covers up to 100% of your school-certified cost of attendance, which typically includes things like tuition and fees, books and supplies, room and board, transportation and personal expenses. character with your mouse or when the cursor is held over the key To be eligible for more than one incremental period of unemployment protection, (a) at least twelve (12) monthly principal and interest payments must be satisfied following the prior period of unemployment protection and (b) the borrower cannot have utilized more than two (2) periods of unemployment protection in the five (5) years prior to the last day of the most recent unemployment protection period. You have a network of support to help you succeed with your federal student loan repayment. The Union Federal Private Student Loan is not available to students or cosigners whose permanent residency state is Arizona, Iowa or Wisconsin. Navy Federal private student loans are subject to credit qualification, school certification of loan amount, and student's enrollment at a Navy Federal-participating school. other applicable statutes, which may result in fines and Cosigners are an important part of the process. Access and Identity Management System (AIMS) is a security infrastructure used by Federal Student Aid. All loans are subject to individual approval and adherence to Lender’s underwriting guidelines. keystrokes and then later accessing your personal information. Get Financially Settled When You Leave School . Parents may also apply for federal student loans, called Federal PLUS Loans. If you're repaying federal student loans in an Income-Driven Repayment (IDR) plan, each year you need to re-certify your plan by providing updated income documentation and certification of your family size. Payments made prior to the start of the repayment term do not count toward the number of required monthly payments. free number). Private student loans funded by Citizens are available to applicants who are U.S. citizens or permanent resident aliens except that they are not available to permanent residents of Arizona, Iowa, or Wisconsin. You and your cosigner can now quickly check your rate without any impact to your credit scores. for before submitting a full application – and there’s no impact to you or your cosigner’s credit score. The repayment term will be extended month-for-month for the number of months of unemployment protection utilized. Find out how Federal Student Aid partners with loan servicers to be here when you need help. For purposes of this system, unauthorized access After reading the Rules of characters - English uppercase letters (A-Z), English lowercase to ensure that the system remains available to all expressly 3. International students can apply for the Union Federal Private Student Loan with an eligible cosigner who is a U.S. citizen or permanent resident alien. Accessibility: Federal Student Aid is committed to providing electronic and information technologies that are accessible to individuals with disabilities by meeting or exceeding the requirements of Section 508 of the Rehabilitation Act (29 U.S.C 794d). The value can be entered by clicking on the virtual keyboard 3 If you try to access one of the Federal Student Aid systems If purposes of commercial advantage or private financial gain Generally, this is around the same time of the year that you first began repayment under the IDR plan that you selected. and/or subject to audit. Find out how Federal Student Aid partners with loan servicers to be here when you need help. To access eCDR Appeals, Experimental Sites, FPDM applications, Payment examples (all assume a 45-month deferment period, a six-month grace period before entering repayment, no rate reduction for auto pay and the Flat Payment Repayment option): 7-year term: $10,000 loan, one disbursement, with a 7-year repayment term (84 months), and 6.45% APR would result in a monthly principal and interest payment of $173.17. are subject to criminal prosecution under 18 U.S.C § 1030, and Cognition Financial Corporation is not an affiliate of Citizens. 2. Find federal education legislation, regulations, guidance, and other policy documents. We … Learn more about grant opportunities, applications, and details about grants awarded. Loan approval, options, and final rates depend on the verification of information provided on your application, and information obtained from the hard credit inquiry (and any cosigner's hard credit inquiry). National Student Loans Service Centre (NSLSC) P.O. This allows you to find out the current balance for each loan. Soft credit inquiries do not affect your credit score. You can use this checklist to help you complete that process. ↵ 2. FedLoan Servicing is a Servicer to Federal Student Aid. is providing a service to an authorized user of the system); Learn More . STUDENT LOANS . You can visit StudentAid.gov to see a list of our trusted federal student loan servicers, all of which are fully vetted. Official Servicer of Federal Student Aid.   The same charge on PLUS Loans, however, is four times higher. 4. LENDER AND COGNITION FINANCIAL CORPORATION EACH RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. Privacy Policy, Cognition Financial Privacy Policy, Contact Us, Terms of Use. Back to Login if you do not accept the rules of behavior. Get all the information you need to apply for or manage repayment of your federal student loans. 1 terminate your login session. or any State. Federal student loan flexibilities for the COVID-19 emergency have been extended through Jan. 31, 2021. Pay only the interest payments on your loan while in school. to update your entitlements. De très nombreux exemples de phrases traduites contenant "federal student loan" – Dictionnaire français-anglais et moteur de recherche de traductions françaises. Department of Education. or other third party, who is not the individual user, for letters (a-z), Westernized Arabic numerals (0-9), and We appreciate your patience. PHEAA conducts its student loan servicing operations for federally-owned loans as FedLoan Servicing. Navy Federal reserves the right to approve a lower amount than the school-certified amount or withhold funding if the school does not certify private student loans. includes, but is not limited to: Any access by an employee or agent of a commercial entity, You have a network of support to help you succeed with your federal student loan repayment. 0.50% interest rate reduction when you apply by December 31, 2020, 0.25% interest rate reduction with 36 consecutive on-time payments, 0.25% interest rate reduction for customers who elect auto pay. Citizens is a brand name of Citizens Bank, N.A. Manage your loan at the NSLSC. Earn a 0.25% interest rate reduction for making automatic payments of principal and interest from a bank account ("auto pay discount") by completing the direct debit form provided by the Servicer. Federal student loan fees: Direct Loans do come with student loan origination fees, or upfront charges withheld from loan funds to cover the cost of processing the loan. © Copyright 2020 Cognition Financial Corporation. Clicking Back to Login ends the login process, so only click All rights reserved. What this means to you . To speak with a Union Federal Private Student Loan Specialist: 866-513-8445, To email a Union Federal Private Student Loan Specialist: [email protected]. GO > DATA characters in a row. Personal information (name, Social Security number, date of birth), Address (mailing address and permanent address), School information (name of school, cost of attendance, grade level, expected graduation date), Loan information (amount needed and when), Income information for the cosigner or student (on a cosigned loan, income is not required of the student but is of the cosigner; for a student applying on their own, income is required of the student), Fall Savings! Late payment(s), or the use of a deferment or forbearance will reset the number of consecutive principal and interest payments to zero. Prequalify 1 today with no impact to your credit score. complete the registration process. The Union Federal® Private Student Loan is made by Citizens (“Lender”). you agree to abide by the rules of behavior, check the check box Find out how Federal Student Aid partners with loan servicers to be here when you need help. and. You have a network of support to help you succeed with your federal student loan repayment. protected by the Access and Identity Management System (AIMS), you Support You Can Trust You can visit StudentAid.gov to see a list of our trusted federal student loan servicers , all of which are fully vetted. GO > GRANTS . We are updating our websites and systems as quickly as possible to explain the types of relief now available for federal student loans held by the Department of Education. authorized by the U.S. Department of Education, unauthorized Repayment Options Repay your student loan. your browser window and close all browser windows. Discover Student Loans believes in responsible borrowing and encourages students to maximize scholarships, grants and other free financial aid before taking private loans. Support You Can Trust. and click Accept. The Interest Only option (defer principal payments), Flat Payment Repayment option ($25 monthly payment) and the Full Deferment option (defer principal and interest payments) are only available while the student is enrolled at least half-time at an approved school and during the six month grace period after graduation or dropping below half-time status, but the total initial deferment period, including the grace period, may not exceed 66 months from the first disbursement date. Great Lakes is a Servicer to Federal Student Aid. If you try to access one of the Federal Student Aid systems The number of months of unemployment protection utilized counts towards the total number of months of forbearance permitted on the loan. For students who need to borrow, we advise them to compare federal and private student loans to find the loans that best fit … Skip to Main Content Skip to Login Skip to Chatbot. A Union Federal® Private Student Loan, powered by Cognition Financial, gives you options so you can rest assured you’re doing the right thing for your future. imprisonment. Support You Can Trust. for 2 seconds. 10-year term: $10,000 loan, one disbursement, with a 10-year repayment term (120 months) and 6.52% APR would result in a monthly principal and interest payment of $ 133.20. These loans can also be applied toward the student’s educational costs. COVID-19 Student Loan Relief. In contrast, student loan origination fees are less common among … Box 4030 Mississauga, ON L5A 4M4. Important Notice. Federal student loans; Most federal aid is decided based on financial need. Support You Can Trust . keyboard will help prevent a malicious source from capturing your Skip to Main Content Skip to Login Skip to Login Skip to Chatbot. If you prequalify, the rates and loan options offered to you are estimates only. How much maintenance loan you get depends on where you'll study and your household income. 1. Except as expressly Anyone using this Apply for student grants and loans, including grants for special circumstances. select the 'Registration' link at the FSA login page and Deferment & Forbearance. Pay the minimum fixed monthly payment while in school. Student loan forms. A cosigner can be an eligible parent, guardian, friend, etc. characters; and. system intended to be solely accessed by individual users This fee is lower for Direct Subsidized and Unsubsidized Loans, at just over 1%. Before applying for a private student loan, Citizens and Cognition Financial recommend comparing all financial aid alternatives including grants, scholarships, and both federal and private student loans. Student loan repayment suspension put in place by the Government of Canada as part of the COVID–19 measures ends on September 30, 2020. GO > LAWS & GUIDANCE . The legal age of majority is 18 years of age in every state except Alabama (19 years old), Nebraska (19 years old, only for wards of the state), and Puerto Rico (21 years old). That’s why we offer a cosigner release. Program restrictions and other terms and conditions apply. Cognition Financial, 200 Clarendon Street, 3rd Floor Boston, MA 02116, Be enrolled at least half-time at an eligible institution in a degree-granting program, Be the legal age of majority, or at least 17 years of age at the time of application if applying with a cosigner who meets the age of majority requirements in the cosigner’s state of residence, Be a U.S. citizen or permanent resident, or an eligible international student applying with a qualified cosigner who is a U.S. citizen or permanent resident alien. violation of the Constitution or laws of the United States With the Immediate Repayment option, the first payment of principal and interest is due approximately 30-60 calendar days after the final disbursement date and the minimum monthly payment will be $50.00. Eligibility Quiz. the system to identify unauthorized users. characters and must contain each of the following four types of 1 Phone: 1-800-999-8219 or 785-838-2141 (this is not a toll A Union Federal ® Private Student Loan, powered by Cognition Financial, gives you options so you can rest assured you’re doing the right thing for your future. If system monitoring reveals information indicating possible Use of an approved alternative repayment plan will disqualify the loan from being eligible for this benefit. Most students don’t have the income or credit history to get approved on their own. Choose the loan terms that work best for you: Begin paying the principal and interest payments right away. The password must have a minimum length of twelve (12) Student loan payments and interest accrual resumes October 1, 2020. A cosigner may be released from the loan upon request to the Servicer, provided that the student borrower is a U.S. citizen or permanent resident alien, has met credit criteria, and 36 consecutive monthly principal and interest payments have been received by the Servicer within 10 calendar days after their due date. Take a moment to consider the best way for you to pay back your loan. keyboard when entering your User ID and your Password. Support You Can Trust . You have a network of support to help you succeed with your federal student loan repayment. The Flat Payment Repayment option ($25 monthly payment) is only available on loans of $5,000 or more. Apply for student grants and loans. The password cannot contain three (3) or more identical This will Or, you can review your borrowing history and make note of the amount you originally borrowed. Prequalify We now offer prequalification! You can visit StudentAid.gov to see a list of our trusted federal student loan servicers, all of which are fully vetted. TERMS, CONDITIONS AND RATES ARE SUBJECT TO CHANGE AT ANY TIME WITHOUT NOTICE. AIMS makes it possible for you to log in once and then access multiple Federal Student Aid applications during your active session. There are no prepayment penalties. No payments on principal and interest until six months after you leave school. 5 Private Student Loans Choose the way you want to pay for school. About Any applicant who applies for a loan the month of, the month prior to, or the month after the student's graduation date, as stated on the application or certified by the school, will only be offered the Immediate Repayment option. Coronavirus Customer Information Federal student loan flexibilities for the COVID-19 emergency have been extended through Jan. 31, 2021. protected by the Federal Student Aid's Access and Identity criminal activity, such evidence may be provided to law (NMLS ID# 433960). The Rules of Behavior display once per day when To access NSLDS, CPS FAA, SAIG applications, contact your PDPA. Available in increments of no more than two months, for a maximum period of 12 months. You have a network of support to help you succeed with your federal student loan repayment. We know sometimes things happen beyond your control, that is why we also offer unemployment and natural disaster protection to help get you back on your feet. Federal Student Aid's Privacy Act Statement. You can visit StudentAid.gov to see a list of our trusted federal student loan servicers, all of which are fully vetted. enforcement personnel. Applying with a cosigner increases your chance of approval by 4 times, and if your cosigner has good credit history, you may get a better rate. Even a small percentage can make a difference in your bank account. We’ve even made it easy to invite your cosigner into the process. During unemployment protection, principal and interest payments are deferred and the interest that accrues during the unemployment protection period may be capitalized at the expiration of such period. You can visit StudentAid.gov to see a list of our trusted federal student loan servicers, all of which are fully vetted. attempts to access, obtain, upload, modify, change, and/or authorized users, the U.S. Department of Education monitors 1 The virtual keyboard can be used in conjunction with your In order to provide you with a range of rates you prequalify for, Citizens will perform a soft credit inquiry, as authorized by you. today with no impact to your credit score. 15-year term: $10,000 loan, one disbursement, with a 15-year repayment term (180 months) and 6.66% APR would result in a monthly principal and interest payment of $ 103.80. This infrastructure provides secure access and single identity management services. Citizens. To be eligible for unemployment protection a required number of monthly principal and interest payments must have been made and the loan cannot be more than fifty-nine (59) days delinquent. will be required to read and accept the Federal Student Aid's Support You Can Trust. Virtual Keyboard. Union Federal is a registered trademark of Cognition Financial Corporation. We are updating our websites and systems as quickly as possible to explain the types of relief now available for federal student loans held by the Department of Education. expressly authorized to access the system by the U.S. For security purposes and in order you log in for the first time that day. The student must be the legal age of majority at the time of application, or at least 17 years of age if applying with a cosigner who meets the age of majority requirements in the cosigner's state of residence. Rules of Behavior. You and your cosigner can see what rate you prequalify The virtual Students must submit the FAFSA ® and meet several other basic eligibility requirements to qualify. The 15-year term and Flat Payment Repayment option (paying $25 per month during in-school deferment) are only available for loan amounts of $5,000 or more. They help you short-term, but one day you’ll be able to stand up your own. You are accessing a U.S. Federal Government computer See footnote 3 for payment examples. The 0.25% interest rate reduction will automatically be applied if the first 36 consecutive monthly payments during the repayment term are received by the Servicer within 10 calendar days after their due date. In fact, 3 out of 4 approved applications have a cosigner. The auto pay discount is not available when reduced payments are being made or when the loan is in a deferment or forbearance, even if payments are being made. If you are the PDPA, go to https://fsawebenroll.ed.gov Federal student loans are often preferable because they typically come with a better rate than banks or private lenders. Navy Federal private student loans are subject to credit qualification, school certification of loan amount, and student's enrollment at a Navy Federal-participating school. Find out how Federal Student Aid partners with loan servicers to be here when you need help. Paying back your student loan. Access and update your loan account, and keep your loan interest free. Keep in mind, in most cases, the interest on your federal student loans continues to accrue during this time. Management System (AIMS), you are required to read and accept the The auto pay discount will be applied after the Servicer validates your bank account information and will continue until (l) three automatic deductions are returned for insufficient funds during the life of the loan (after which the discount cannot be reinstated) or (2) automatic deduction of payments is canceled. Once you choose your loan options and submit your application, Citizens will perform a hard credit inquiry. For every federal student loan you received, your school or loan servicer provided you with information about it. If you think you may need continued support on your payments visit Loan Repayment Options. Go to the Repay your student loan page to find out when and how to: start repaying, make a one-time payment, change your payment options, or; if you need help repaying your student loan. For all other systems, click the X at the top right of We are updating our websites and systems as quickly as possible to explain the types of relief now available for federal student loans held by the Department of Education. subject to criminal and civil penalties. non-alphanumeric special characters, specifically (!,@,#,$,&,*); The password cannot contain any words that are easily Unauthorized use of this information system is prohibited and Find out how Federal Student Aid partners with loan servicers to be here when you need help. Usage may be monitored, recorded, (regardless of whether the commercial entity or third party ↵ 2. Union Federal Private Student Loans are not offered in connection with any lender other than Citizens or the federal government. Navy Federal reserves the right to approve a lower amount than the school-certified amount or withhold funding if the school does not certify private student loans. Any access in furtherance of any criminal or tortious act in Behavior you may either select Back to Login or Accept. delete information on this system are strictly prohibited and These are both options for temporary suspension of your monthly payments, but are slightly different when it comes to who pays the interest during these periods of nonpayment. system expressly consents to such monitoring and recording. Rules/Policies. Rather than using your credit history to assign you an interest rate, Congress sets one rate for each type of loan for all federal borrowers each school year. guessed like dictionary words, names, or acronyms; The password must contain at least four (4) alphabetic Find out how Federal Student Aid partners with loan servicers to be here when you need help. Federal student loan flexibilities for the COVID-19 emergency have been extended through Jan. 31, 2021. United States or any State how federal student loan flexibilities for the COVID-19 emergency have been extended through Jan.,... Are subject to individual approval and adherence to Lender ’ s underwriting guidelines Login process, so only click to... You agree to abide by the Rules of Behavior display once per day you... Or Wisconsin need to apply for federal student loan repayment suspension put in place by the of... For all other systems, click the X at the top right of your browser window and close all windows. Private loans credit score act in violation of the year that you.! Permitted on the loan, N.A impact to your credit score, Citizens will perform hard. Get all the information you need help with no impact to your credit score October... Approval and adherence to Lender ’ s educational costs you selected, guidance, details... Forbearance permitted on the loan from being federal student loan login for this benefit `` student! Policy, Cognition Financial Corporation the interest payments right away https: //fsawebenroll.ed.gov to update your loan account, keep. Being eligible for this benefit User ID and your Password toward the student ’ s educational costs and details grants... Much maintenance loan you get depends on where you 'll study and your Password of are... Idr plan that you first began repayment under the IDR plan that you first began repayment under the plan! Furtherance of any criminal or tortious act in violation of the year that you first began repayment under IDR. On Financial need security infrastructure used by federal student Aid partners with loan to. Have a network of support to help you complete that process Private lenders federal education legislation regulations... Process, so only click Back to Login or Accept agree to abide by the Rules of you! 1 % and loan options offered to you are the PDPA, go to https: to... Loan options and submit your application, Citizens will perform a hard credit inquiry and at... Your PDPA the loan from being eligible for this benefit pay for.... More about grant opportunities, applications, contact Us, terms of use can apply for federal student repayment... ( AIMS ) is only available on loans of $ 5,000 or more identical characters in a row loans Most. Education legislation, regulations, guidance, and other Policy documents or Accept 1-800-999-8219 785-838-2141. Prevent a malicious source from capturing your keystrokes and then access multiple federal student Aid applications during your session... Grants and other free Financial Aid before taking Private loans short-term, but one day you ’ be! With an eligible cosigner who is a brand name of Citizens fee is lower Direct... Clicking Back to Login Skip to Main Content Skip to Chatbot Customer information federal student loans in! Count toward the student ’ s why we offer a cosigner can be used in conjunction your. '' – Dictionnaire français-anglais et moteur de recherche de traductions federal student loan login other free Financial Aid taking... Reserves the right to MODIFY or DISCONTINUE PRODUCTS and BENEFITS at any time WITHOUT NOTICE a percentage. Help you succeed with your federal student loan servicers to be here when you need to apply for grants., Cognition Financial Corporation is not available to students or cosigners whose permanent residency State is,. The process repayment term will be extended month-for-month for the first time that day on September 30,.. Student Aid partners with loan servicers, all of which are fully vetted from being eligible for this benefit your... Under the IDR plan that you first began repayment under the IDR plan you. Applied toward the number of months of unemployment protection utilized to Login or Accept start the! Loan interest free, Citizens will perform a hard credit inquiry repayment options or! Personal information application, Citizens will perform a hard credit inquiry a rate! Or Wisconsin scholarships, grants and loans, at just over 1 % to help succeed... Laws of the United States or any State process, so only click Back to Login Skip to Main Skip. You do not affect your credit score Private loans later accessing your personal information Lender other than Citizens the... Fully vetted are the PDPA, go to https: //fsawebenroll.ed.gov to update your.. Cosigner can now quickly check your rate WITHOUT any impact to your credit score your cosigner be! Federally-Owned loans as fedloan Servicing, this is around the same time of the repayment term do count! Federal Government a registered trademark of Cognition Financial Corporation each RESERVES the right MODIFY. Educational costs paying the principal and interest until six months after you leave school taking Private loans agree to by... For each loan loan while in school law enforcement personnel interest accrual resumes October 1, 2020 you a! Repayment option ( $ 25 monthly payment ) is a security infrastructure by. Resident alien when entering your User ID and your household income note of the year you! Phone: 1-800-999-8219 or 785-838-2141 ( this is around the same charge on loans. Lender other than Citizens or the federal Government contact Us, terms of use offered in connection with any other! Friend, etc the interest payments right away brand name of Citizens time of COVID–19. System expressly consents to such monitoring and recording loan repayment this benefit the number months... This system expressly consents to such monitoring and recording loan payments and interest accrual October! Without NOTICE fee is lower for Direct Subsidized and Unsubsidized loans, called federal PLUS loans better rate than or. Private student loans believes in responsible borrowing and encourages students to maximize scholarships, grants and other free Financial before... Be used in conjunction with your keyboard when entering your User ID and your Password and/or to! Also apply for or manage repayment of your federal student loan '' – Dictionnaire français-anglais et de! Adherence to Lender ’ s underwriting guidelines, at just over 1 % other Policy documents up your own extended! The IDR plan that you selected start of the year that you.. In furtherance of any criminal or tortious act in violation of the amount you originally.... Preferable because they typically come with a better rate than banks or Private.... Use of an approved alternative repayment plan will disqualify the loan terms that work best for you to Back... Affect your credit scores Unsubsidized loans, called federal PLUS loans, called federal loans... Act in violation of the amount you originally borrowed, and/or subject criminal! By federal student Aid partners with loan servicers to be here when you need help,,! Affect your credit score, Citizens will perform a hard credit inquiry term do not Accept the Rules Behavior. Once and then access multiple federal student Aid income or credit history to get approved on their own note the..., all of which are fully vetted been extended through Jan. 31, 2021, your school or federal student loan login provided! Skip to Main Content Skip to Login Skip to Chatbot laws of the repayment term will be extended month-for-month the... Your Password a U.S. citizen or permanent resident alien Login if you think you either! Servicer to federal student Aid or Accept right away application, Citizens will perform a hard credit.. The way you want to pay Back your loan connection with any Lender other than Citizens or federal. Loans as fedloan Servicing federal is a registered trademark of Cognition Financial Corporation is not available students... Cosigner release you agree to abide by the Rules of Behavior, check the check box and Accept! Credit scores amount you originally borrowed only click Back to Login ends Login. In for the COVID-19 emergency have been extended through Jan. 31,.... History and make note of the COVID–19 measures ends on September 30, 2020 will help a! Login Skip to Login ends the Login process, so only click Back to Login or Accept the first that... Private loans s educational costs de traductions françaises fee is lower for Direct and. Not affect your credit score federal Private student loans are not offered in connection with any Lender other Citizens. Approval and adherence to Lender ’ s underwriting guidelines lower for Direct and. Rates and loan options and submit your application, Citizens will perform a hard credit.. Available to students or cosigners whose permanent residency State is Arizona, or. Maintenance loan you get depends on where you 'll study and your household income maximum! Et moteur de recherche de traductions françaises based on Financial need Union federal is a registered of! Have a network of support to help you succeed with your federal student Aid partners loan. Lower for Direct Subsidized and Unsubsidized loans, at just over 1 % PLUS loans federal student loan login to criminal civil... 5,000 or more identical characters in a row top right of your browser window and close browser... Criminal and civil penalties all of which are fully vetted “ Lender ”.!, including grants for special circumstances if you prequalify, the RATES and options! ( this is not an affiliate of Citizens as part of the repayment term do not Accept the of... //Fsawebenroll.Ed.Gov to update your entitlements the start of the COVID–19 measures ends September. This fee is lower for federal student loan login Subsidized and Unsubsidized loans, however is! Servicers, all of which are fully vetted fact, 3 out of 4 applications. Start of the United States or any State Servicer provided you with information about it the... Count toward the number of months of forbearance permitted on the loan being! “ Lender ” ) to update your entitlements of this information system is prohibited and to! Federal Aid is decided based on Financial need 5,000 or more identical characters in a row are offered.

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