Late Fee:	Banks charge a non-negotiable funds (NNF) fee whenever they must return a payment for reasons which include, but are not limited to, insufficient funds, stop payment, or incorrect account information.
	NNF $30
	Private Loans
	If your PC(USA) loan was disbursed prior to 8/19/2003, the late fee is 5% of the scheduled payment amount. If your PC(USA) loan was disbursed after that date, there is a late fee of $10 per loan with a maximum of $100 per month.