Loan Repayment and Resources
Listed below are important links to resources and links that will help you make informed decisions about your repayment options.
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Deferments and Forbearance
— A deferment or forbearance allows you to temporarily postpone making your federal student loan payment or to temporarily reduce the amount you pay. -
Federal Direct Loan Consolidation — A consolidation allows you to consolidate (combine) multiple federal student loans into one loan.
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Federal Student Aid Ombudsman — A resource to assist in informally resolving disputes and problems with Federal loans.
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Income Based Repayment (IBR) — A resource website for Income Based Repayment and Public Service Loan Forgiveness programs.
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Identity Theft — Deter, detect, and defend against identity theft.
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Interactive Budget and Loan Repayment Calculator — Calculate your estimated loan payment(s) and learn about Direct Loan repayment plan options.
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National Student Loan Data System (NSLDS) — A cumulative loan history of all Federal loans — including contact information for your loan services, who bill you for your loan payments.
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Public Service Loan Forgiveness — If you work full-time in a public service job, you may qualify for Public Service Loan Forgiveness
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Repayment Options — Work with your loan servicer to choose a federal student loan repayment plan that's best for you.
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The Smart Student Guide to Financial Aid — A comprehensive source of student financial aid information
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Steps for managing your student loan debt
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Solutions for student loan repayment problems
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Avoiding default
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Money and Debt Management Tools
- Interactive Budget and Loan Repayment Calculator — Calculate your estimated loan payment(s) and learn about Direct Loan repayment plan options.
- Annual Credit Report — Receive your free annual credit report from the 3 major credit bureaus
- Consumer Financial Protection Bureau
- IRS Tax Benefits for Education
- MyMoney.Gov — A trusted source for financial information
- National Foundation for Credit Counseling
- Interactive Budget and Loan Repayment Calculator