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 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.
Learn how marriage affects your income-driven student loan payments and discover repayment options.
Use our student loan calculator to compare federal student loan repayment plans.
Learn about the eligibility requirements for federal student loan forgiveness and repayment programs.
Learn what happens if you default on a federal student loan and how you can get out of default and stop collections.