Loan Repayment and Resources
Listed below are important links to resources and links that will help you make informed decisions about your repayment options.
- Deferments and Forbearance— A deferment or forbearance allows you to temporarily postpone making your federal student loan payment or to temporarily reduce the amount you pay.
- Federal Direct Loan Consolidation — A consolidation allows you to consolidate (combine) multiple federal student loans into one loan.
- Federal Student Aid Ombudsman — A resource to assist in informally resolving disputes and problems with Federal loans.
- Income Based Repayment (IBR) — A resource website for Income Based Repayment and Public Service Loan Forgiveness programs.
- Identity Theft — Deter, detect, and defend against identity theft.
- Interactive Budget and Loan Repayment Calculator — Calculate your estimated loan payment(s) and learn about Direct Loan repayment plan options.
- National Student Loan Data System (NSLDS) — A cumulative loan history of all Federal loans — including contact information for your loan services, who bill you for your loan payments.
- Public Service Loan Forgiveness — If you work full-time in a public service job, you may qualify for Public Service Loan Forgiveness
- Repayment Options — Work with your loan servicer to choose a federal student loan repayment plan that’s best for you.
- The Smart Student Guide to Financial Aid — A comprehensive source of student financial aid information
- Steps for managing your student loan debt
- Solutions for student loan repayment problems
- Avoiding default
- Money and Debt Management Tools
- Interactive Budget and Loan Repayment Calculator — Calculate your estimated loan payment(s) and learn about Direct Loan repayment plan options.
- Annual Credit Report — Receive your free annual credit report from the 3 major credit bureaus
- Consumer Financial Protection Bureau
- IRS Tax Benefits for Education
- MyMoney.Gov — A trusted source for financial information
- National Foundation for Credit Counseling