Monday-Thursday: 8 a.m. to 8:30 p.m. CT
Friday: 8 a.m. to 4:30 p.m. CT
Saturday: 7 a.m. to 11 a.m. CT
Temporarily lower or postpone your monthly loan payments
If you can’t pay your student loans, consider one of these options: Income-Based Repayment (IBR), forbearance or deferment.
We can help you find out if you qualify, but only your lender can approve one of these options for your situation.
Your next step is to contact us for help. If your situation qualifies, we can assist you with completing the necessary paperwork.
Reduce your payments with Income-Based Repayment (IBR)
If you don’t make enough money to pay back your student loans every month, IBR may be an option for you to lower payments to what you can afford.
Eligibility for IBR is based on your income, family size and the poverty line in your area. We’ll help you find out whether you qualify and estimate what your payments might be.
Learn more >
Temporarily stop payments with a deferment
A deferment can put your student loan payments on hold if you return to school, lose your job, serve in the military or volunteer with an organization such as the Peace Corps.
There are many types of deferment, each with its own eligibility requirements. We can help you determine if you qualify.
Learn more >
Temporarily postpone or reduce payments with a forbearance
If you are experiencing financial difficulty but are not eligible for a deferment, you may qualify for a forbearance. A forbearance allows you to temporarily postpone or reduce your payments.
There are four types of forbearance, and only your lender can decide if one works for your situation. We’ll help you determine your eligibility and work with your lender to assist you with completing any necessary paperwork.
Learn more >
