Find Your Student Loan Pathway
Student loan repayment has changed. Whether you’re leaving SAVE, exploring forgiveness, entering repayment, or dealing with default, use these tools and guides to find the most affordable path that’s right for you.
Begin with the basics. Watch this short overview to understand today’s student loan system, your repayment options, and the programs that may help make repayment more affordable.
Next Get In-Depth Help by Topic
Then Get Expert Support Your Way
Know The Important Dates
Major Repayment System Overhaul Begins
New federal loans and consolidations issued from this date forward are limited to just two repayment options: New Tiered Standard Plan and Repayment Assistance Plan (RAP).
SAVE Forbearance Ends (Some Borrowers)
Forbearance period ends for certain SAVE plan borrowers, requiring transition into active repayment.
New Limits on Forbearance & Deferment
Restrictions take effect limiting how long borrowers can pause payments through deferment or forbearance.
Deadline to Join Existing IDR Plans
Borrowers with older loans must enroll in current IDR plans (IBR, PAYE, ICR) before they are phased out.
Final Transition to New Repayment System
Full shift to the new repayment structure is completed; borrowers with older loans can no longer enroll in IBR, PAYE, or ICR.
PAYE & ICR Plans Converted
Borrowers in PAYE and ICR plans are automatically transitioned into the IBR plan.