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Loan Repayment Calculator

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What to Consider Before Repayment

If you have a federal loan, you may have a "grace period" before you need to begin repaying your student loan. This is a great time to make a plan for repaying your student loans and we recommend becoming familiar with your repayment options.

View your Repayment Plan options for federal student loans

10 Things To Do Before Making Your 1st Loan Payment

Federal Loan Grace Periods

If you have a Direct Subsidized or Unsubsidized federal loan, your grace period lasts for six months. You must begin repaying your loan at the end of your six-month grace period.

If you have a Direct PLUS federal loan, there is no grace period. Payments begin immediately after the final loan disbursement is made. Payment postponement options are available.

Learn about payment postponement for federal student loans

Selecting a Federal Loan Payment Plan

Contact us to discuss your student loan obligations. We can answer any questions you have about paying back your loans and the types of repayment plans available to you.

Shortly before your repayment term begins, you will receive a notice — called a repayment obligation or disclosure statement — that tells you when you must start making student loan payments and how much you can expect to pay each month.

For federal Direct Loans, there are several repayment plans to choose from. Be sure to select the plan that’s right for you. The good news is you can change it as your situation changes.

Overview of Direct Loan and FFELP Loan Repayment Plans

Public Service Loan Forgiveness

If you are employed in certain public service jobs and have made 120 payments on your Direct Loans (after Oct. 1, 2007), the remaining balance that you owe may be forgiven. Only payments made under certain repayment plans may be counted toward the required 120 payments. You must not be in default on the loans that are forgiven.

Learn more about Public Service Loan Forgiveness on the Federal Student Aid site