Student Loan Servicing
Variable interest rates on federal loans increased July 1ˢᵗ
Although most federal student loan interest rates are fixed for the life of the loan and will not change, some have a variable interest rate that can change annually and impact the amount you pay. It’s important to know that these rates are set by Congress and can’t be changed by your loan servicer. You can view the rates on your loans by going to the Loan Details pages after you log in. Learn about student loan interest.
Questions about the Supreme Court decision on forgiveness
Updated: Get answers to Frequently Asked Questions on the Biden-Harris Administration’s debt relief plan.
We encourage you to visit StudentAid.gov for the latest information about debt relief and qualifications.
Income-Driven Repayment account adjustment and Save Plan
The U.S. Department of Education (ED) has announced that it will make adjustments to IDR plan payment counters.
Updated payment counts credited toward IDR forgiveness also count toward PSLF for months in which you certify qualifying employment that overlaps the same periods.
For a limited time, FFELP loan borrowers can only benefit from the adjustment by consolidating into a Direct Consolidation loan on or before the deadline determined by ED. You can learn more at StudentAid.gov.
A Direct Consolidation loan can also be repaid under ED’s new Income-Driven Repayment Plan, SAVE (Saving on a Valuable Education) Plan.
This option includes multiple new benefits starting in the Summer of 2023 and others that will go into effect in July 2024.
FFELP loan borrowers can only benefit from the SAVE Plan by consolidating into a Direct Consolidation loan. Additional information about this new repayment option can be found on StudentAid.gov.
Are you employed in public service — by the government or a nonprofit?
If you’re a federal loan borrower, you may be eligible for Public Service Loan Forgiveness (PSLF). Contact our public service specialists or go to StudentAid.gov to learn about PSLF and other programs — such as the Temporary Expanded Public Service Loan Forgiveness (TEPSLF), which for a limited time may give you credit for past periods of repayment (while you were working for a qualified employer) that previously did not count toward PSLF.
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