You will receive late notices 30, 60, and 90 calendar days after your loan is due. If you have not paid the loan back at that point, your account will be transferred to the State of Maryland’s Central Collections Unit (CCU) for collection. You will be responsible for CCU’s standard collection fee, which will equal 17% of the loan amount. CCU allows borrowers to set up payment plans if they are not able to pay back the full amount at once.