Official sources first

Federal student-loan repayment starting points

Start by identifying what you have, then review current choices on the official Federal Student Aid site.

Confirm the loan

Write down the loan type, holder, servicer, status, interest rate, and outstanding interest from current official records.

Plan availability and eligibility depend on current rules and your circumstances. This site does not determine either.

Use hypothetical arithmetic to prepare questions. Confirm every amount and date before making a decision.

We do not rank plans, determine eligibility, predict credit scores, match lenders, refer refinancing, or tell you which option to choose.