Understanding Student Loan Repayment
Learn about federal student loan repayment based on where you are in the process.
I'm Starting School or In School
I'm in the process of earning a degree or certificate.
I'm About to Graduate or Leave College
I'm completing my program or taking a break from school.
I Just Graduated or Left School
I'm in my grace period and preparing to repay my loan.
I'm in Repayment
I've begun repaying my loan.
I'm Falling Behind and Need Help
I've missed some payments and am having trouble keeping up.
GET OUT OF DEFAULT
If you've fallen behind on payments (typically 270 days) and entered default, understand your options.
Need Help Managing Your Loans?
Contact your federal student loan servicer and make progress on paying down your debt.
