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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. Find out how to make a plan, make payments, and contact your loan servicer for your federal student loan. Learn about different types of repayment plans, loan forgiveness programs, and consolidation options.

  3. Use Loan Simulator, a student loan calculator, to review different repayment plans and compare monthly payments, total paid, and more. Find out if you qualify for loan forgiveness, consolidation, or other options based on your goals and circumstances.

  4. 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.

  5. 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.

  6. 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.

  7. Learn about federal student loan repayment options, plans, consolidation, forgiveness, and more. Find resources and tips for borrowers and loan servicers at StudentAid.gov/repay.

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