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  1. There are several payment options that are available. You can pay online, sign up for auto debit, call us, and more. There are repayment plans that include loan forgiveness, and several reasons why a loan may be discharged.

  2. You can estimate your payments with various interest rates and loan terms using this calculator. Please enter the amount of your loan, the annual interest rate, and the number of repayment months to compute your monthly payment amount. All fields are required.

  3. 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.

  4. 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. See how you can lower your student loan payment. See how you can pay off your student loans faster.

  5. 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.

  6. Monthly Payment Calculation. Your monthly payments will be based on your eligible federal student loan debt, family size, and your income. Your monthly payment amount will be capped at the lesser of 20% of your discretionary income or the amount you would pay on a repayment plan with a fixed payment over 12 years, adjusted according to your income.

  7. 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.

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