Find out how to manage your federal student loan repayment options, make payments, and explore forgiveness programs.

It’s simple to pay toward your student loan—at any time. Get started by working with your federal loan servicer.

Learn how to manage your student loans, find a repayment plan, understand how to make payments, explore your options, and get help if you've missed payments.

If you repay your loans under an IDR plan, any remaining balance on your student loans will be forgiven after you make a certain number of payments over 20 or 25 years—or as few as 10 years under our newest IDR plan, the Saving on a Valuable Education (SAVE) Plan.

Two of our most popular student loan payment options are Auto Pay, which automatically withdraws payments from your designated bank account each month, and online payment, which allows you to pay online at your convenience.

Review important concepts, tips, and recommendations for repaying your student loans. Payments were paused for three years, but most people started paying again beginning in October 2023.

Now that you are paying back your student loans, be informed about your payment options, interest reduction benefits, and more.

A Direct Consolidation Loan replaces one or more existing federal student loans with a single new loan with one monthly payment. If we recommend consolidating, you’ll get the option to go straight to the Direct Consolidation Loan Application directly from Loan Simulator.

Loan Simulator helps you estimate monthly student loan payments and choose a loan repayment option that best meets your needs and goals. You can also use it to decide whether to consolidate your student loans.

Federal Student Loans: Repaying Your Loans