Because of financial hardship, six months ago I entered into a temporary forbearance agreement. I was told that "no late fees will be assessed during these six months." NOT TRUE.
They are assessed and they try to collect them after you make your final payment. The six months of late fees ended up costing me more than if I just sucked it up and paid the late fee for a couple of months.
My payment is due on the 1st of the month and they called me on the 2nd, 3rd, and the 7th of this month to "remind me of my payment" and of the late fees.