Sandra has now failed the SAFE MLO National Test three consecutive times. Under NMLS rules, how long must she wait before she is eligible to retake the exam again?

Correct answer: 6 months

After three consecutive failures of the SAFE MLO National Test, NMLS rules impose a 6-month waiting period before the candidate is eligible to retake the exam. This extended waiting period is intended to ensure candidates use the time to adequately prepare. The standard 30-day waiting period applies after the first and second failures, not after the third consecutive failure. 90 days is not the specified waiting period under NMLS rules. 1 year overstates the required waiting period after three failures.