Loan Repayment Options

Below are resources available for guidance regarding the loan repayment process. You must work directly with your loan servicer(s) to repay your loans and establish the proper repayment option.

If you are not sure of your Federal Loan Servicer, you may log into your account at the National Student Loan Data System (NSLDS)

Federal Loan Repayment Resources

Repayment Plans and Calculators

  • Standard Repayment
  • Graduated Repayment
  • Extended Repayment
  • Saving on a Valuable Education (SAVE) Plan
  • Pay As You Earn (PAYE) Plan
  • Income Based Repayment (IBR) Plan
  • Income Contingent Repayment (ICR) (Direct Loans only)

Public Service Loan Forgiveness Program

Deferments and Forbearances

Direct Consolidation Loans

Perkins Deferment/Cancellation Information

Federal Perkins Loan borrowers may apply for deferment and then cancellation if they perform and complete a qualified service while in repayment.

Student Loan Ombudsman

The Federal Student Aid Ombudsman Group is where individuals can turn after trying other ways to resolve a federal student aid dispute.

Other Resources

Health Resources and Services Administration

Repayment assistance with your student loans while serving communities in need.

Massachusetts Loan Repayment Program

Massachusetts offers loan repayment programs for primary health care professionals in various disciplines, including physicians, dentists, nurse practitioners, and behavioral health professionals.