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Managing Debt

Understand and manage your debt using these helpful tools and resources.

Account Information

Get round-the-clock, secure online access to your Direct Loans. *For other subsidized/unsubsidized loan lenders, please see your lender website for account information.

Loan Consolidation

Read about the option to combine all your eligible educational loans into a single loan with a low monthly payment, a payback period of 10 to 30 years, and a fixed rate of interest.

Repayment Options

Choose the repayment plan that is best for you.

Postponing Repayment

If you have trouble making your education loan payments, contact the organization that services your loan immediately.

Repayment Plans

Choosing the right repayment plan for your student loans is your first step toward meeting your financial goals. *Calculators for each payment plan available here.

National Student Loan Data System is the central location to see a listing of all your federal loans (including subsidized, unsubsidized, and Perkins loans), who the current lender is, and what your loan status is. 

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