Federal Student Loan Repayment Information
You are obligated to repay any federal student loans that have not been repaid and are not in deferment or forbearance. On the StudentAid.gov website, you can log in using your StudentAid.gov username and password to:
- Complete Exit Counseling
- Review information about repayment options
- Update your profile with current contact information
- Ensure that your loans are in good standing
- Access your total federal student loan history
- Find out who your loan servicer is
⚠️ Please note this page does not include information about private education loans you may have borrowed from banks or private lenders. Contact the bank or lender for repayment information.
Exit Loan Counseling
Once you graduate, leave school, or fall below half time enrollment, you will need to complete Exit Counseling and must begin repaying your loans.
Repayment Plan Changes
On July 4, 2025, the One Big Beautiful Bill Act (OBBBA) was signed into law, resulting in changes to federal student aid programs. Changes to Loan Repayment plans are included in the OBBBA. These changes apply to all borrowers. Visit the Federal Student Aid One Big Beautiful Bill Act Updates website for details and more information.
Students who borrow a new federal Direct Loan on or after July 1, 2026, will be eligible for only two repayment plans:
- Tiered Standard Repayment
- Fixed monthly payments
- Repayment term lengths range from 10 to 25 years, depending on the amount borrowed
- Repayment Assistance Plan (RAP)
- Monthly payments based on income
- Loan forgiveness after 30 years of repayment
- Is a qualifying plan for Public Service Loan Forgiveness
All federal loans must be repaid using the same repayment plan. Students with older loans (borrowed before July 1, 2026) who take out new loans on or after that date will have to repay their loans under one of the two repayment options described above.
Students who do not borrow a new federal Direct Loan on or after July 1, 2026, may continue to access current repayment options, including:
- Standard (10-year) Repayment Plan
- Graduated Repayment Plan,
- Extended Repayment Plan
- Income-Based Repayment (IBR)
- Pay As You Earn (PAYE)*
- Income-Contingent Repayment (ICR)*
*The law sunsets the PAYE and ICR plans effective July 1, 2028. Borrowers who enroll in PAYE or ICR must switch to any of the other eligible plans listed before July 1, 2028, or they will be automatically moved into RAP.
They may also access the new Repayment Assistance Plan (RAP) once it becomes available in July 2026.
Help
Need Help With a Loan Issue?
If you believe there may be an issue with your Direct Loans, first review your loan records and document your concern. Contact your loan servicer to try to resolve the issue. If the issue cannot be resolved, you may contact the Federal Student Aid (FSA) Ombudsman as a last resort. The Ombudsman provides neutral, informal, and confidential assistance through the U.S. Department of Education. Visit their website and submit the online feedback form or call 1‑800‑433‑3243.
You may also contact the FSA Contact Center for assistance.