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Federal Student Aid offers a platform to manage federal student loans and access various repayment options.
- Manage Loans
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- FAFSA
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- IDR
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- Apply for Aid
Learn how federal student aid works, how to apply, and what...
- Parent Plus Loan Application
Learn how to apply for a Parent PLUS Loan to help your child...
- Dashboard
Manage your federal student loans online with...
- Manage Loans
Access the FAFSA application and learn about eligibility, deadlines, and benefits of applying for federal student aid online.
Find the best student loan for your needs, compare rates and repayment plans, and get tips on how to pay off your debt faster. Learn about federal and private loans, refinancing, forgiveness, and more from NerdWallet's experts.
- 7 min
- Student loan refinancing can save you money, but how much depends on your credit history, income and financial health.
- They are the middleman between you and the company that lent you money. Find the most common ones here.
- They’re ways to temporarily halt your loan payments, and they prevent your loan from going into default.
MOHELA is a government-owned organization that services federal student loans. Learn how to manage your account, request a lower payment, opt out of debt relief, and more.
- Income-Driven Repayment (IDR) Forgiveness
- Public Service Loan Forgiveness
- School-Related Discharge Options
- Teacher Loan Forgiveness
- Total and Permanent Disability (TPD) Discharge
- Military Service
- AmeriCorps
- Other Options
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An IDR plan bases your monthly payment on your income and family size. If you repay your loans under an IDR plan, any remaining balance on your student loans will be forgiven after you make a certain number of payments over 20 or 25 years—or as few as 10 years under our newest IDR plan, the Saving on a Valuable Education (SAVE) Plan. Use Loan Simul...
If you work full time for a government or nonprofit organization, you may qualify for forgiveness of the entire remaining balance of your Direct Loans after you’ve made 120 qualifying payments—i.e., 10 years of payments. To benefit from PSLF, you need to repay your federal student loans under an IDR plan. New to PSLF? Check out our 4 beginner tips ...
Borrower defense to repayment is a legal ground for discharging federal Direct Loans. Borrowers apply for borrower defense if they believe their school misled them or lied to them about something central to their decision to enroll and take out loans. If you think your situation qualifies for borrower defense, submit a borrower defense application....
You may be eligible for forgiveness of up to $17,500 if you teach full time for five complete and consecutive academic years in certain elementary or secondary schools or educational service agencies that serve low-income families, and if you meet other qualifications. Get details about Teacher Loan Forgiveness. Remember, you may not receive a bene...
To get TPD discharge, you must have a disability that severely limits your ability to work, now and in the future. This can be a physical or a mental disability. If you get a TPD discharge, you don’t have to repay any of your federal student loan(s) or complete your TEACH Grant service obligation. In most cases, you’ll have to provide specific kind...
The U.S Department of Education and Department of Defense have special benefits for military service members with federal student loans. Benefits include interest rate caps under the Servicemembers Civil Relief Actand Department of Defense student loan repayment programs. In addition, your military service can also count toward PSLF. Find more info...
The Segal AmeriCorps Education Awardis a benefit received by participants who complete a term of national service in an approved AmeriCorps program—AmeriCorps VISTA, AmeriCorps NCCC, or AmeriCorps State and National. After you successfully complete your service, you are eligible to receive a Segal AmeriCorps Education Award, which can be used to re...
Check out our student loan forgivenesspage for information about other types of loan forgiveness and discharge. You never have to pay for help with your student loans. Learn how to avoid student loan forgiveness scams.
Learn how to get help repaying your federal student loans, including full loan forgiveness, through various programs and plans. Compare IDR plans, PSLF, borrower defense, closed school discharge, teacher loan forgiveness, and more.
Jun 30, 2024 · FAFSA is the Free Application for Federal Student Aid, which helps you pay for college or career school. Learn how to create an account, fill out the form, check your status, and avoid scams.
Jun 2, 2023 · Learn the difference between federal and private student loans, how to apply for them and where to find the best rates. Compare lenders, types and pros and cons of each option.
