Repayment plans
Federal student loans offer basic repayment plans that balance monthly payments with your financial circumstances.
Learn more >
Payment relief options
If financial realities are making it hard to pay your student loans, you may be able to find relief through deferment or forbearance.
Learn more >
Loan forgiveness and cancellation
Working in public service—whether teaching at an underserved school or joining the U.S. Military—may erase some of what you owe. And in some cases, student loans can be cancelled completely.
Learn more >
Understand delinquency
Even missing just one payment may result in late fees. If you’ve fallen behind in your payments, see how you can get current and avoid defaulting on your loans.
Learn more >
Why paying is critical
The path to default can be frighteningly short, while the consequences of default can be incredibly long-lasting. We give you a realistic view of default, its consequences and why you should do everything you can to stay current on your student loans.
Learn more >
