Your monthly student loan payments will begin again after the COVID-19 emergency relief ends. Here are six things you can do to prepare—and to make payments more affordable if need be.
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Loan Repayment
If you get a total and permanent disability (TPD) discharge, you don’t have to repay your federal student loan(s) or complete your TEACH Grant service obligation. As of April 2022, around 401,000 borrowers have gotten $7.8 billion in loan forgiveness through TPD discharge. Check out these three ways to qualify.
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Until Oct. 31, 2022, federal student loan borrowers can get credit for payments that previously didn’t qualify for Public Service Loan Forgiveness (PSLF) or Temporary Expanded Public Service Loan Forgiveness (TEPSLF).
If your student loan payments are too high compared to your income, you might be able to switch to a different repayment plan. Applying is free.
If the emails, phone calls, and text messages you’re receiving about student loan forgiveness are setting off your scam sensor, we’ve got you covered. Learn more about the most common student loan forgiveness scams and how to avoid them.
If the U.S. Department of Education transfers one or more of your federally owned student loans to a new servicer, we can help you make sense of what’s next.
Consolidation combines your federal student loans into one loan with one monthly payment, but it has both pros and cons. Find out what you need to know before you consolidate.