Repayment options

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Find a repayment plan that fits your budget

The federal government offers flexible payment plans designed to give you choices based on your financial situation.

If you’re having difficulty making your monthly payments, give us a call. We may be able to help you find solutions that work for your situation.

Repayment plans give you several options

With basic payment plans, you can choose higher monthly payments to help you pay back your loan(s) more quickly, or lower monthly payments that allow you to pay back your loan(s) over a longer term. We can help you weigh the benefits and costs of each plan and find the right one for you.

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Income-driven repayment plans

Income-driven plans may be a good choice if your income is small relative to your federal student loan debt. Depending on your career, you could qualify for additional benefits under one of these plans.

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Consolidate your loan(s)

The Direct Consolidation Loan Program lets you combine one or more federal student loans into a single new loan. So instead of making several different student loan payments, you make one monthly payment for all your federal student loans. Consolidation may lower your monthly payments and extend your repayment term.

While this could help you temporarily, you may pay more interest in the long run. For more information, visit the U.S. Department of Education’s loan consolidation website at www.loanconsolidation.ed.gov.