Navigate Your Student Debt With Confidence
With evolving federal policies and resumed collections, understanding your student loan status is more critical than ever. Whether your loans are current, delinquent, or in default, our certified counselors are here to help you find the best path forward.
Federal Loan Repayment Options
Standard Repayment Plan
Make fixed monthly payments over approximately ten years. While this option has higher monthly payments, it results in the lowest total interest paid over the life of the loan. Ideal if you can afford consistent, higher payments.
Income-Driven Repayment (IDR)
Make payments based strictly on your income. Options like SAVE, PAYE, and IBR can drastically lower your monthly burden, though they may extend your loan term. All IDR plans require annual recertification of your income and family size.
Our 3-Step Action Plan
Contact Your Servicer
Don’t delay—connect with your loan servicer to understand your exact repayment status and explore hardship programs.
Review Your Credit
Check for errors or early signs of delinquency to protect your financial standing before default occurs.
Talk to Our Experts
Get judgment-free help from our certified counselors. We'll review your loans, explore relief options, and build a custom wellness plan.
Delinquency vs. Default
If your loans are delinquent, you risk facing serious consequences, including:
- • Wage garnishment & tax offsets
- • Severe negative impact on credit score
- • The entire loan balance becomes due
Loan Rehabilitation
For loans already in default, rehabilitation offers a way back. By making nine on-time monthly payments based on your income, you can:
- • Remove default status from your credit
- • Stop active wage garnishments
- • Restore eligibility for new aid
*Depending on your employment, you may also qualify for Public Service Loan Forgiveness (PSLF). Talk to our experts to determine your eligibility for total loan forgiveness if you work in nonprofit, military, or government sectors.
Regain Control of Your Future
Our certified counselors can help you navigate the complexities of student loan debt, lower your payments, and avoid the devastating impacts of default.