Check out our student loan forgiveness page for information about other types of loan forgiveness and discharge. You never have to pay for help with your student loans. Learn how to avoid student loan forgiveness scams.

Most federal student loans are eligible for at least one IDR plan. Review the specific eligibility requirements to see which plan(s) you qualify for. Keep in mind that your loan type can affect your eligibility for each IDR plan. Log in to StudentAid.gov and visit your Dashboard to …

If you’ve exhausted other options, you can consider borrowing additional federal student loans. If you’re a dependent student, your parent can apply for a Direct PLUS Loan for parents . Most schools use our online application, but others may have their own application.

Learn about federal student loans, including Direct Subsidized and Unsubsidized Loans, PLUS loans, and Direct Consolidation Loans.

You can apply for the SAVE Plan now. This new IDR plan replaced the Revised Pay As You Earn (REPAYE) Plan. On all IDR plans, monthly payment amounts are based on your income and family size, which can lower your payments to as low as $0 per month.

Important: Most schools require you to apply for a Direct PLUS Loan online, but some schools have different application processes. This site has a list of schools that participate in the Direct Loan Program.

Kind of—federal student loan borrowers can consolidate their loans. Consolidation combines your federal student loans into one loan with one monthly payment. Learn about the pros and cons before you consolidate.

Find out if student loan forbearance is the best option for your situation. Find out if you qualify and access the forbearance request form you need.

If you get a total and permanent disability (TPD) discharge, you don’t have to repay your federal student loan(s) or complete your TEACH Grant service obligation. As of May 2023, around 492,000 borrowers have gotten loan forgiveness through TPD discharge. And there are multiple ways to qualify!

Borrowers can now apply for income-driven repayment (IDR) plans electronically rather than needing to upload an application to our website. Please visit StudentAid.gov/IDR to submit your application.