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Trouble Making Payments

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.

If you… Then…
Have problems making payments when they're due Change your due date. This can ensure you have money in the bank when it's time to pay your bill.
Can make smaller monthly payments Reduce your payments by changing payment plans. This can help reduce your monthly payments or allow you to make interest-only payments.
Can't make any payments Postpone payments with a deferment or forbearance. Postponing your monthly payments may be the right choice to prevent your loan from entering default.
Have multiple payments to multiple lenders each month Consolidate your federal loans. Make one payment to one lender.
Missed payments Take action today to prevent loan default. Find ways to keep your loan from entering default and to protect your ability to obtain credit in the future.
Currently have loan(s) in default Learn about default. Find out what options are available.
Filed or are considering filing for bankruptcy Learn more about bankruptcy. Find out what your next steps are.