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  1. Planning & budgeting calculator. This tool can help you estimate your college expenses and balance your college budget. Loan repayment calculator. You can estimate your monthly repayment amount via the Loan Repayment Calculator. Cost of deferment/forbearance calculator.

  2. Estimate your future payments in minutes with our student loan refinance calculator. Talking about finances is easy, but let’s look at the numbers. Plug in some real-world information to see estimated savings or payment amounts. Then use that info to make smart decisions that will take you where you want to be.

  3. Repaying Your Student Loans.

  4. Consolidation payment estimate calculator. Consolidated Loans reduce the total monthly payment amount by combining outstanding student loans into one new loan. Consolidation creates a new promissory note. The consolidation may result in fewer deferment options and a higher interest rate.

  5. Log In to Manage Your Student Loans. Federal Student Aid (FSA) is your federal loan provider. FSA uses servicers (private companies) like Nelnet to manage billing, questions, and payments, and to help you enroll in the best repayment plan for you.

  6. You may be eligible to lower your monthly student loan payment by enrolling in an income-driven repayment (IDR) plan. Under an IDR plan, payments may be as low as $0 per month. Compare your loan repayment options through Federal Student Aid’s Loan Simulator .

  7. Repayment information. Most money matters are easier to manage if you keep them simple—and that includes your student loans. Avoid default at all cost! When you leave school (or drop below half-time enrollment), your last official date of attendance (or separation date) will be given to your lender by your school's registrar.

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