If you have a federal student loan, repayment options may be available to help you manage your monthly payment and avoid delinquency or default. These options may include standard repayment, graduated repayment, extended repayment, income-driven repayment plans, deferment, and forbearance, depending on your loan type and eligibility.
For current information from the U.S. Department of Education regarding federal student loan repayment options, temporary relief options, and loan forgiveness, cancellation, or discharge programs, please visit:
- Federal Student Loan Repayment Plans: https://studentaid.gov/manage-loans/repayment/plans
- Temporary Relief Options, including deferment and forbearance: https://studentaid.gov/manage-loans/lower-payments/get-temporary-relief
- Federal Student Loan Forgiveness, Cancellation, and Discharge: https://studentaid.gov/manage-loans/forgiveness-cancellation
These federal programs generally apply only to federal student loans. Private student loans, institutional loans, income share agreements, retail installment contracts, and other non-federal education financing products may not be eligible for these federal programs.
Site contains an information section about the Department of Education, its offices and budget information. Within the site are links for students and parents as well as headlines on legislative and regulatory issues.
Site contains information about the Ombudsmans office, as well as the links and steps for students that have unresolved disputes.
The National Student Loan Data System (NSLDS) is the U.S. Department of Education’s (ED’s) central database for student aid.
Site takes you to Title 34, part 600, from which you can navigate to the general provisions part 673, or Perkins provision’s part 674.
Site takes you to the Perkins cancellation section on IFA where you can access the low-income directories.
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