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How and where can I find out how much I owe?

The easiest way is to check directly with your student loan servicer. If you don’t know your servicer, you can find balances for federal loans in the NSLDS. For private student loans, you may need to check your credit report or contact your school’s financial aid office to locate the lender.

How do I figure out if my loans are federal or private?

The easiest way is to check your loans in the NSLDS. All loans listed in the NSLDS are federal student loans. Any that aren’t are likely private student loans (with some exceptions).

What are my repayment options?

There are many different options depending on what types of loans you have and your goals for paying off your loans. But don’t worry! A good place to start is reviewing income-driven repayment plans, considering consolidation, and checking out refinancing.

How can I lower my payments?

Income-driven plans may be your best option for federal student loans. It’s also possible to lower payments by refinancing with a private lender.

What are income-driven repayment plans?

Income-driven plans are repayment options for federal student loans only. This ties your monthly payments to your discretionary income. These limit payments to 10-20% of income and can result in payments as low as $0.

How much would I pay on an income-driven plan?

Payments range from 10-20% of your monthly discretionary income.

I can’t afford to make payments. What can I do?

If you have federal loans, look into deferment and forbearance to pause your payments. If eligible, you typically need to make a request with your servicer. Private student loan lenders vary with their forbearance options, and it may be difficult to get forbearance. You’ll need to talk to your private student loan lender directly to arrange this.

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