Student Loans affect over 40 million Americans. Repayment options can be difficult to understand, but there are a lot of options available. If you find yourself struggling to make payments, there may be options that can lower your monthly payments. Check out StudentAid.Gov for a full list of repayment options.
Standard Repayment
Standard repayment options include fixed repayment plans such as the Standard Repayment Plan, the Graduated Repayment Plan, and the Extended Repayment Plan.
Income-Driven Repayment (IDR) Plans
This repayment option reviews your income and family size and calculates your repayment as a portion of your discretionary income. There are several options of income-based repayment plans including:
- Income-Based Repayment (IBR) Plan
- Income-Contingent Repayment (ICR) Plan
- Pay As You Earn (PAYE) Repayment Plan
- Saving on a Valuable Education (SAVE) Plan
Public Service Loan Forgiveness (PSLF)
You may be eligible for student loan forgivingness with the Public Service Loan Forgiveness program, also known as PSLF. Learn more about the PSLF on StudentAid.Gov.
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