Although the best idea is to begin repaying your loans in full right after you graduate, sometimes life throws you a curveball, and you can’t quite make it.

There are numerous ways to repay your federal loans. For information on all the following repayment options, please follow the links! If a link is broken, please contact the site’s administrator. Although many of these websites appear to be quite basic, we can assure that they’re authored and maintained by the Department of Education, and they’re incredibly informative (if you know where to look!).

Want to know how your interest rates will change over time? Download an updated student loan repayment interest rate table (from NASFAA)

Direct Loan and FFEL Repayment

Loan Consolidation

Deferments and Forebearances


Loan Forgiveness

  • Teacher Loan Forgiveness
  • Public Service Loan Forgiveness
  • Service as a Civil Legal Assistance Attorney (CLAARP)
  • Service in Areas of National Need:
    On August 6, 2008, the U.S. Congress sent H.R. 4137, the Higher Education Opportunity Act, to the White House. On Thursday, August 14, 2008, President Bush signed the bill in to law (P.L. 110-315). P.L. 110-315 reauthorizes and revises many of the existing federal programs involving higher education (individual loans and grants, institutional aid, and other higher education access programs). Included in the law is a new program that identifies seventeen professions of national need, making them eligible for loan forgiveness. This program has not received any funding to date.

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