Find the right fit for your budget
It’s important to know you have many repayment options. Learn about the alternatives and find the best repayment plan for you.
Basic repayment plans give you several options
You can choose a different repayment plan for your loans on an annual basis, if not more often. We can help you weigh the benefits, and costs, of each plan so you can find the right balance between monthly payments and long-term costs.
Learn more >
Income-dependent repayment plans—see if you qualify
These plans can make it easier for you to afford your loan payments. If you have a career in public service or you teach at an underserved school, for example, some of these plans offer distinct advantages.
Learn more >
Consolidate your loans
Consolidating your loans can reduce your monthly payments by combining all your loans into one loan. However, consolidation might not be the best solution, especially if you have a mix of high and low interest rates or if you have Perkins loans.
Learn more >
