Loan tips & repayment options
Whether you have just graduated, are taking a break from school, or have already started repaying your student loans, these tips can help you keep your student loan debt under control.This means avoiding fees and extra interest costs, keeping your payments affordable, and protecting your credit rating. If you're having trouble finding a job or keeping up with your payments, there's important information here for you, too.
Student loan tips for recent graduates
Know your loans
Know your grace period
Stay in touch with your lender
Pick the right repayment option
Prepay if you can
Don't panic
Determine what your monthly loan payments may be
Repayment options
Repayment options offered by the federal government when it is time to repay your student loan.Standard repayment plan
Graduated repayment plan
Extended repayment plan
Income-based repayment plan
Pay as you earn repayment plan
Income-contingent repayment plan
Income-sensitive repayment plan
For an overview of all plans with more detailed information, visit Repayment Plans Federal Student Aid.