ECMC

Understand your loans

Student loan types Student loans at a glance Keeping your promise

Loan counseling

Budgeting strategies

When to start paying

Repayment options

Basic repayment plans Income-dependent repayment plans Loan consolidation

Loan forgiveness and cancellation

Public service loan forgiveness programs Loan cancellation

Working with lenders

Understand default

Get help with default

Pay in full Loan rehabilitation Default repayment plan Loan consolidation Loan cancellation

Resolving issues and disputes

Form 1098-E

Repayment plans

Basic repayment plans Income-dependent repayment plans Loan consolidation

Payment relief options

Deferment Forbearance

Loan forgiveness and cancellation

Public service loan forgiveness programs Loan cancellation

Understand delinquency

Why paying is critical

Opportunities

Bankruptcy and student loans

During bankruptcy

After bankruptcy

Programs and services

Training Loan counseling Financial literacy Default prevention Portfolio management

Updates to services and processes

School claims paid report Common Manual updates

Publications

Download Order

Forms

Programs and services

Default prevention Portfolio management Financial literacy

Filing claims

Updates to services and processes

Online claims payment reports Loan repurchase process Common Manual updates

Careers

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Our affiliates

Financial literacy guides

Understand bankruptcy

Ombudsman

Data loss information

Notification letter (sample)

Borrowers

Schools Lenders Servicers

Find a repayment plan that you cat can live with.

If you’re having difficulty making your monthly payments, you have options.

Student loan payment options are designed to adjust to the changing reality of your personal finances. Just talk to your lender. They can help you find a solution.

Basic repayment plans give you several options

With basic repayment plans you can choose higher monthly payments that pay down your loans quickly or lower monthly payments that extend your loan over a longer term.

We can help you weigh the benefits and costs of each plan so you can find the right one for you.

Learn more >

Income-dependent repayment plans—see if you qualify

These plans can make it easier for you to afford your loan payments. If you have a career in public service or you teach at a school with a high percentage of low-income students, for example, some of these plans offer distinct advantages.

Learn more >

Consolidate your loans

Consolidating your loans can reduce your monthly payments by combining all your loans into one loan. However, consolidation might not be the best solution, especially if you have Perkins loans.

Learn more >