Trouble Making Your Federal Student Loan Payments? Text-only | Federal Student Aid

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 Federal Student Aid. StudentAid.gov/login

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 Federal Student Aid. StudentAid.gov/login

Option 2: Consider combining your loans into a Direct Consolidation Loan. StudentAid.gov/consolidation

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. StudentAid.gov/plans

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

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

Apply for an income-driven repayment plan. StudentAid.gov/idr

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

Use the Repayment Estimator to find out if you might qualify for a repayment plan with a lower monthly payment. StudentAid.gov/repayment-estimator

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 StudentAid.gov/servicer. For information on loan repayment, visit StudentAid.gov/repay.

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