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We can help you make the right plan for your situation.

Income-Driven Plans

Learn more about income-driven options and eligibility at Federal Student Aid

Find Out if an Income-Driven Plan Might Work for You

Discover how payments could be as low as $0.

Your Financial Success

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Money & Finances

 
 

If You're Having Trouble

It's important to make your student loan payments on time. However, if you're having trouble, there are options for assistance, including income-driven repayment plans, deferment, forbearance, and solutions to help you avoid delinquency and prevent default.

Learn about repayment plans based on your income

Beware of offers for debt relief – protect yourself from fraud

Note that not all private loans offer forbearance and deferment options.


Take Action Early

See where your money goes. Keep a list of everything you buy for a week or even a few days. You may be surprised to find items you could do without (or could get more cheaply). Review your budget to see where you can cut back on expenses.

Ask for assistance. Reaching out for help from a parent, mentor, or someone else who may be able to help doesn't necessarily mean you're asking to be bailed out of a financial problem. Chances are, they’ve had some valuable experience in money management and can work with you to develop a budget and a strategy for reducing debt.

Look for alternative repayment options. Contact Navient and your other loan servicers. We can work with you to help you get back on track, and are sometimes able to offer new or temporarily reduced payment schedules.

Contact us at 800-722-1300 and let us help you make the right decision for your situation.