Repaying Student Loans

Repaying Your Student Loans

Learn More About Repaying Your Student Loans.

If you have just graduated or have been making payments on your loans for years now, know that there is no time limit on exploring your repayment options. If you find a repayment plan while browsing through the articles listed here, you can have it applied to your student loans through your servicer.

Making Payments

Loan Forgiveness & Discharge

Repaying Your Loans

Repayment Options for Federal Student Loans

Is Consolidation for Me?

Ways to Pay

Avoid Student Loan Scams

You don't need to pay a fee for assistance with your student loan repayment plan or for help in reaching student loan forgiveness. There are repayment options, including the ones that may reduce your monthly payments considerably based on your income and forgiveness programs that are always free.

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Need help Calculating Your Payments?

Use our loan repayment tool to help calculate your potential monthly loan payments. You'll need to know your loan amount, interest rate, and remaining terms.

Calculate Payments

Need Repayment Plan Forms?

You can find forms on our website or StudentAid.gov. Forms are also available to request a deferment or forbearance.

Repayment Forms

Not Sure Who Your Loan Servicer Is?

Your student loan servicer is the company who provides customer service for your loan(s), answers your questions, helps you with repayment plans and processes your student loan payments.

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Find Your Loan Servicer

Repaying Student Loans