Loan Repayment

Understanding the repayment process for your student loans can go a long way toward building a solid financial foundation.

Remember, student loans are real loans, just like car loans or mortgages. You must repay a student loan, even if your financial circumstances become difficult. Your student loans cannot be canceled because you didn’t get the education or job you expected, or because you didn’t complete your education (unless you couldn’t complete your education because your school closed).

Type of Loans

Repayment Plans

You can work with your loan servicer to choose a student loan repayment plan that’s best for you. To make your payments more affordable, repayment plans can give you more time to repay your loans or can be based on your income.

To find out more about repayment options before receiving a Direct Loan, you can contact us or the Federal Student Aid Information Center at 800.4FEDAID (800.433.3243).

Learn more about repayment plans 

Loan Consolidation

Consolidating your education loans can simplify your payments, but it also can result in loss of some benefits. There are opportunities to consolidate your federal or private student loans into one loan. The result is a single monthly payment instead of multiple payments.

Resources