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Loan Management and Repayment

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When will I need to start making payments on my loans?

Payments on your federal student loans will begin once you drop below half time, leave school, or graduate. Federal subsidized and unsubsidized loan borrowers are given a grace period of six months before repayment begins. Keep in mind any previous gaps in your enrollment (other than summer) may have used part of or all of your grace period.

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Where do I find information on my student loans and who can I contact with questions?

The National Student Loan Data System (NSLDS) provides a centralized view of your Federal loan borrowing history including contact information for your loan servicer(s). Your loan servicer is your main point of contact for all loan related questions. It is important you contact them if you have any changes to your address, contact information or if you are having difficulty making your loan payments.

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What are my repayment options?

Dealing with debt can be overwhelming but there are various repayment plans available for federal student loans. Your loan servicer can help answer questions about deferment, forbearance, consolidation, and various payment plans.

Click here to use the loan repayment calculator.

What will my monthly payment be?

Curious as to what your loan payments would be? Use the loan calculator for payment estimates under a variety of loan repayment plans. For exact monthly payment amounts be sure to contact your loan servicer.

Click here for deferment and forbearance request forms.

What if I can no longer afford my monthly payment?

Contact your loan servicer immediately if you are experiencing trouble making your monthly payments. Your loan servicer will be able to determine if you qualify for loan deferment or forbearance which would temporarily postpone or reduce your payments. By working with your loan servicer you could avoid default on your student loans.


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Where can I find more information on loan management and repayment?

Federal Student Aid is a great resource for general loan management and repayment information. For questions and information regarding your loans contact your loan servicer directly.