Trouble Paying

Financial situations change over time and there may be periods where making your monthly payment isn't easy or even possible. We are here to help ease that stress and find a solution that works for you and your budget.

Missed Payments

We understand that sometimes life doesn't go as planned and your financial situation may change. If you can't afford your student loan payments, don't wait until you fall behind to seek assistance. We offer options that can help.

Missed One or Two Payments

If you have missed one or two payments, this means your account is delinquent.

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If you can afford to make your payments, but it just slips your mind occasionally, the best option to pay your bill on time every month may be Direct Debit.

Missed Several Payments

If you have missed several payments, your loans are at risk of defaulting.

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If you can't make your payments, we have options to bring your account current. We're here to help you figure out what the best solution would be for you.

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Find Your Successful Repayment Strategy
Quickest Payoff? Lowest Monthly Payment?
What goal fits your financial situation? Set your goal, then find a suggested plan that could help you achieve your repayment goal.

Lowering Your Payments

If your loan payments are too high, we offer options to help reduce your monthly bill to fit your budget.

Repayment Plans

There are several repayment plans that are based on your income and loan debt. Some offer payments as low as $0 per month.

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If you have multiple federal loans and/or high loan debt, one option to consider is consolidation. When you combine all your loans into one, it will give you a fixed interest rate, a lower monthly payment, and more. Our Consolidation Quiz will help you determine if this option is right for you.

You Can Deal With It
Budget Tips & Tricks
Get tips on how to manage your money, create a budget, and more at

Postponing Payments

If options such as switching to an Income-Driven Repayment (IDR) plan or consolidating your loans won't work for you, the next step would be to look into postponing your payments. Keep in mind, in most cases, the interest on your federal student loans continues to accrue during this time.

Deferment & Forbearance

These are both options for temporary suspension of your monthly payments, but are slightly different when it comes to who pays the interest during these periods of nonpayment.

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Eligibility Quiz

Our Postponing Payments Eligibility Quiz can help you determine what deferment or forbearance is the best option for your situation.

Service Members
Are You In the Military?
There are some payment postponement options available just for military service members. Find out what specific options are available to you.