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  1. Aidvantage is here to help you better understand and manage repayment of your federal student loans. Log in to explore repayment options, manage your payments, and get answers to your student loan questions.

    • Manage Loans

      Learn how to manage your student loans, find a repayment...

  2. Get started repaying your federal student loan. It is important to have a plan for repaying your student loan before the payments begin. Learn how to make your payments on time while keeping the cost manageable.

  3. Under all four plans, any remaining loan balance is forgiven if your federal student loans aren’t fully repaid at the end of the repayment period. There is no limit on how much forgiveness you receive as long as you meet the requirements.

  4. studentaid.gov › h › manage-loansFederal Student Aid

    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.

  5. The tool helps you review different student loan repayment plans and compare estimated monthly payments, total paid over time, and more. Under some income-driven repayment (IDR) plans, including the new Saving on a Valuable Education (SAVE) Plan , your monthly payment could be as low as $0.

  6. Payment assistance available to student loan borrowers, including what to do for bankruptcy, total and permanent disability, and loan forgiveness.

  7. Most federal student loans go into default if you make no payment for 270 days. Once you check to make sure you owe this debt, start considering your options. If you can’t pay off the loan immediately, you have two options: rehabilitation and consolidation.

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