If you don’t make your payment on time, your loan is considered delinquent. To avoid a late fee, make your payment in full within 15 days of your payment due date. Loans in a delinquent status will be reported to the credit bureaus if delinquent for 30 days.
Keep in mind that interest accrues daily, so making a late payment can affect the amount of interest you end up paying. Make a payment now.