Find a repayment plan that fits your budget
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.
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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.
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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.
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