Speaker 1 (00:00): Why do I need to use two factor authentication? Two factor authentication keeps your college savings more secure, just like using your ATM card and pin keeps your money safe. How do I get started? Step one, using a private computer or other secure device, log into your direct account with your username and password. Step two, get your pin. Where do I get my pin? Get a pin by phone, by text, or by calling our customer service department. Mark your device as trusted and you won't need to enter a pin each time you log in. Have more questions? Find answers on our frequently asked questions page, or give us a call Monday through Friday, 8:30 AM to 6:00 PM Eastern time at 1-800-AFFORD-IT. That's 1-800-233-6734.