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.
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Loan Repayment
Prepare for student loan repayment by learning about repayment plans, the benefits of auto pay, and the consequences of missed payments.
If you’re having trouble making your monthly federal student loan payment, consider switching to a different repayment plan. Learn about income-driven repayment (IDR) plans.
Explore and compare federal student loan repayment plan options with our Repayment Calculator to find the plan that’s best for you and your financial goals.
Teachers with federal student debt have some loan forgiveness program options: Public Service Loan Forgiveness, Teacher Loan Forgiveness, Perkins Loan cancellation for teachers, and state-sponsored student loan forgiveness programs. Know which ones you may be eligible for and learn tips for weighing the options.
Learn how getting married affects your federal student loan payments on an income-driven repayment plan or a fixed payment repayment plan, and explore your repayment options.
Learn about the eligibility requirements for federal student loan forgiveness and repayment programs.