Preparing for Repayment
In a few short months, the time will come to start paying back your loans. But where do you start? Follow these next steps to get you headed in the right direction.
Next Steps to Take
Review Your Loan Information
The easiest place to get all your loan information is in Account Access. Through this online tool you can:
- Get loan balances
- See interest rates
- Make payments
- Update your personal information
Don't Have an Account?
Estimate Your Monthly Bill
Creating a plan for repaying your student loans is much easier when you know what your monthly bill will be. Use our Repayment Schedule Estimator to get an approximate monthly payment.
Your First Bill
During the last month of grace, you will receive your first bill approximately 20 days before your first payment is due.
Lowering Your Payments
If your loan payments are too high, we offer options to help reduce your monthly bill to fit your financial situation.
Our Repayment Schedule Estimator helps to determine what repayment plan may best fit your needs. Some are even based on your income and loan debt and payments could be as low as $0 per month.
Save Money—Make Payments in Grace
Making payments while in your grace period will lessen the total amount that you pay over the life of your loan.
Let us guide you through the IDR application and how to fill out each section with our interactive tool in Understanding Your Correspondence.