Trouble making your federal student loan payments?

Trouble Making Your Federal Student Loan Payments? Text-only

We can help you get back on track.

Why are you having trouble?

Issue A: I’m confused and I don’t know who to pay.

Look up your loan servicer by logging in to "My Aid."

Issue B: I’m confused because I can’t keep track of all my federal student loans.

Option 1: Access all of your federal loan information, including your contact info for your loan servicers, in one place at "My Aid."

Option 2: Consider combining your loans into a Direct Consolidation Loan.

Issue C: My payments are too high. My situation has changed and I can no longer afford my payments.

Option 1: Consider switching repayment plans; don’t forget to ask about plans based on your income.

Option 2: Consolidating your loans may help; when you consolidate, your repayment period restarts, which could lower your payments.

Issue D: My payments are too high because my income is low compared to my debt.

Apply for an income-driven repayment plan.

Last resort! If switching repayment plans doesn’t help your situation, request a deferment or forbearance to temporarily postpone your payments.

Use Loan Simulator to find out if you might qualify for a repayment plan with a lower monthly payment.

Need help figuring it all out? No problem. Your loan servicer can help you make a decision that best fits your financial situation. For information on loan servicers, including their contact information, visit For information on loan repayment, visit

Federal Student Aid
An Office of the U.S. Department of Education
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