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Find a payment plan that fits your budget
The federal government offers flexible payment plans designed to give you choices based on what you can afford.
If you’re having difficulty making your monthly payments, give us a call. We can help you find solutions that work for your situation.
Basic payment plans give you several options
With basic payment plans, you can choose higher monthly payments to help you pay back your loans more quickly, or lower monthly payments that allow you to pay back your loans over a longer term. We can help you weigh the benefits and costs of each plan and find the right one for you.
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Income-dependent payment plans—see if you qualify
Income-dependent plans can be a good choice if your income is small compared to your student loan debt. Depending on your career, you could qualify for additional benefits under one of these plans.
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Consolidate your loans
The Federal Consolidation Loan Program lets you combine multiple federal student loans into one. This way, you have a single monthly payment for all your federal student loans. This allows you to reduce your monthly payments and extend your repayment term.
While this could help you temporarily, you may pay more interest in the long run. For more information, visit the U.S. Department of Education’s loan consolidation website at www.loanconsolidation.ed.gov.
