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Federal Student Loans and COVID-19: What You Need to Know

In addition to CARES Act benefits, federal student loans are also eligible for income-driven repayment plans, deferment, and other repayment options.

Emily Guy Birken Emily Guy Birken Edited by Ashley Harrison Updated December 1, 2022

Our goal is to give you the tools and confidence you need to improve your finances. Although we receive compensation from our partner lenders, whom we will always identify, all opinions are our own. Credible Operations, Inc. NMLS # 1681276, is referred to here as "Credible."

The ongoing financial impact of the COVID-19 pandemic has left many people scrambling to handle their monthly bills — including federal student loan payments. However, the good news is that federal student loan payments and interest have been paused by the CARES Act. Payments are scheduled to resume 60 days after June 30, 2023 or when litigation on federal student loan forgiveness is resolved; whichever comes first.

Also keep in mind that current college students can still take out federal student loans to pay for school and might even be eligible for more aid depending on their financial situation.

Here’s what you should know about the effect of COVID-19 on federal student loans:

  • How has the COVID-19 pandemic affected federal student loans?
  • How does the CARES Act affect student loans?
  • How to manage existing student loans
  • Private student loans and the CARES Act

How has the COVID-19 pandemic affected federal student loans?

The coronavirus has impacted federal student loans for both new and current federal student loan borrowers. If you are looking to take out federal student loans for school or already have federal student loans in repayment, here are some changes to be aware of:

For new federal student loans

If you’re in school or starting college during the 2021-2022 academic year, the process to apply for federal student loans has remained the same:

  1. Complete the FAFSA. You’ll provide your personal and financial information when you submit the Free Application for Federal Student Aid (FAFSA). If you’re a dependent student, you’ll generally also need to include information from your parents.
  2. Accept your financial aid. After your school has reviewed your FAFSA information, you’ll receive a financial aid award letter detailing what federal student loans and other financial aid you’re eligible for. You can then decide which aid you’d like to accept.
Tip: If your financial situation has changed significantly since your last federal tax return, you could be eligible for an adjustment of your financial aid. This might be helpful if you or your parents have lost a job or other income due to the pandemic.

You’ll need to resubmit your FAFSA with your updated financial information, then contact your school’s financial aid office to discuss your new circumstances.

Just keep in mind that your school has the final say on your financial aid package, which means you won’t be able to appeal the decision through the Department of Education.

Learn More:

  • Gap Years and COVID19: What You Need to Know About Student Loans
  • Federal vs. Private Student Loans: 5 Differences

For federal student loans in repayment

Payments and interest on federal student loans have been suspended through at least 60 days after June 30, 2023, by the CARES Act.

Note that eligible borrowers don’t need to do anything to apply for these benefits — servicers of federal student loans have automatically placed qualifying loans in administrative forbearance.

If you have any questions regarding your loans, be sure to contact your servicer.

Tip: If you want to continue making federal student loan payments, you might be able to pay your loan balance down faster than usual. As long as you’ve paid any interest or fees that you owed before March 13, 2020, all of your payments will go toward paying down your loan principal.

You’ll need to contact your servicer to opt out of forbearance if you want to continue making payments as usual. Also be sure to reach out to your servicer if you need student loan help and aren’t sure of your options.

While having your student loans in forbearance can take pressure off of your finances, keep in mind that it will also extend your repayment date.

If you’re wondering how long it’ll take to pay off your student loans, enter your current loan information into the calculator below to find out. You can use the slider to see how increasing your payments can change the payoff date.

Enter loan information

? Enter the remaining balance of your loans $
? Enter the average annual interest rate of your loans %
? Enter the amount of time left to repay your loan years

+ $0
Total Payment $
Total Interest $
Monthly Payment $

If you increase your payments by $ monthly on your $ loan at %, you will pay $ a month and pay off your loan by Jan 2021.


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Check Out: Federal Direct PLUS Student Loans: What to Know Before Borrowing

How does the CARES Act affect student loans?

The CARES Act, which was signed into law on March 27, 2020, outlined the automatic payment and interest suspension for current federal student loan borrowers.

Originally, this suspension was slated to last until Dec. 31, 2020, but it has since been extended five times — first to Sep. 30, 2021, to Jan. 31, 2022, to May 1, 2022, and Dec. 31, 2022. Now, payments are scheduled to restart 60 days after June 30, 2023 or when litigation on federal student loan forgiveness is resolved. It could still be extended in the future.

Here are the federal student loans that are eligible for these benefits under the CARES Act. Keep in mind that to qualify, the loans must be owned by the Department of Education, not a commercial lender as might be the case for certain types of loans.

  • Defaulted and non-defaulted Direct Loans
  • Defaulted and non-defaulted FFEL Program loans
  • Defaulted FFEL Program loans managed by guaranty agencies
  • Defaulted and non-defaulted Federal Perkins Loans
  • Defaulted HEAL loans
Tip: Unless the suspension period is extended again, payments will resume on Sept. 1, 2022. Borrowers will receive at least 21 days’ notice before their first payment is due after the end of the suspension period.

Make sure your contact information is up to date in both your loan servicer account profile and Federal Student Aid account so you won’t miss any important notices regarding possible extensions or resumption of payments.

How does the CARES Act affect interest capitalization?

If you were up to date on your loan payments before the CARES Act took effect, then the interest you accrued prior to March 13, 2020, won’t capitalize during the suspension period.

However, you might still have interest capitalize if:

  • Your loans were in a type of deferment or forbearance where interest would have normally capitalized before the suspension
  • Your loans were in a grace period before the suspension began

You can check with your servicer to see if any interest will capitalize on your loans once this emergency relief period ends.

Learn More: Can You Pay Your Student Loans With a Credit Card?

How to manage existing student loans

If you have federal student loans in repayment, you don’t need to worry about filing anything to have your payments and interest suspended — your servicer will automatically apply these benefits to your loans.

However, in addition to the suspension, there are also other federal repayment options that might help you reduce or postpone your payments, including:

  • Deferment: This allows you to temporarily postpone your loan payments. There are several situations that might qualify you for student loan deferment, such as financial hardship, unemployment, returning to school, undergoing cancer treatment, and more. Keep in mind that interest might continue to accrue in a deferment period, depending on the type of loan you have.
  • Forbearance: This is another way to pause your payments for a short time. Unlike loans in deferment, loans will always continue to accrue interest while in forbearance. There are a few circumstances that might make you eligible for federal forbearance, including financial hardship, medical expenses, or changes to your employment. Servicers can also grant forbearances on a case-by-case basis.
  • Income-driven repayment: Under an income-driven repayment (IDR) plan, your payment is based on your discretionary income. There are four IDR plans to choose from: Pay As You Earn, Revised Pay As You Earn, Income-Based Repayment, and Income-Contingent Repayment. Keep in mind that depending on the plan, you could have any remaining balance forgiven after 20 to 25 years of on-time payments.
  • Graduated repayment plan: Under a graduated plan, your payments start low and increase every two years. This could be helpful if you expect your income to increase in the future.
  • Extended repayment plan: If you sign up for an extended repayment plan, you could have up to 25 years to repay your loans, which will likely give you a lower payment. Just keep in mind that choosing a longer repayment term means you’ll pay more in interest over time.
  • Federal consolidation: If you consolidate your federal student loans through a Direct Consolidation Loan, you can extend your repayment term up to 30 years. Unlike private student loan consolidation, federal consolidation doesn’t require a credit check. If you’re considering private vs. federal consolidation, keep in mind that while you’ll likely get a reduced monthly payment through federal consolidation, you won’t get a lower interest rate. However, you’ll still have access to all of your federal benefits and protections.

Private student loans and the CARES Act

Unfortunately, private student loans don’t qualify for CARES Act benefits. But you do have other options. For example, if you refinance your private student loans, you might be able to:

  • Get a lower interest rate, which could save you money on interest and potentially help you pay off your loans faster
  • Opt for a longer repayment period, which could reduce your monthly payment and lessen the strain on your budget

To qualify for refinancing, you’ll typically need good credit and verifiable income. While you might be able to refinance student loans with bad credit through certain lenders, you’ll likely end up with a higher interest rate compared to the rates offered to borrowers with good credit.

If you’re struggling to get approved for refinancing, consider applying with a cosigner. Even if you don’t need a cosigner to qualify, having one might get you a better rate than you’d get on your own.

Keep in mind: While you can also refinance federal student loans, this will cost you your federal student loan benefits and protections, including access to income-driven repayment and student loan forgiveness programs.

You’ll also no longer be eligible for the CARES Act suspension of payments and interest.

If you decide to refinance your student loans, be sure to consider as many lenders as possible to find the right loan for you. Credible makes this easy — you can compare your prequalified rates from our partner lenders in the table below in two minutes.

LenderFixed rates from (APR)Variable rates from (APR)Loan terms (years)Loan amounts

brazos student loan refinance

Credible Rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
View details
4.4%+ 4.54%+ 5, 7, 10, 15, 20$10,000 up to $250,000
(depending on degree)
  • Fixed APR: 4.4%+
  • Variable APR: 4.54%+
  • Min. credit score: 690
  • Loan amount: $10,000 to $400,000
  • Loan terms (years): 5, 7, 10, 15, 20
  • Repayment options: Military deferment, forbearance
  • Fees: Late fee
  • Discounts: Autopay
  • Eligibility: Must have a credit score of at least 720, a minimum income of $60,000, and must be a resident of Texas
  • Customer service: Email, phone
  • Soft credit check: Does not disclose
  • Cosigner release: No
  • Loan servicer: Firstmark Services
  • Max. Undergraduate Loan Balance: $100,000 - $149,000
  • Max. Graduate Loan Balance: $200,000 - $400,000
  • Offers Parent PLUS Refinancing: Does not disclose


Credible Rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
View details
5.39%+1 5.39%+1 5, 7, 10, 15, 20$10,000 to $500,000
(depending on degree and loan type)
  • Fixed APR: 5.39%+1
  • Variable APR: 5.39%+1
  • Min. credit score: Does not disclose
  • Loan amount: $10,000 to $750,000
  • Loan terms (years): 5, 7, 10, 15, 20
  • Repayment options: Immediate repayment, academic deferment, military deferment, forbearance, loans discharged upon death or disability
  • Fees: Late fee
  • Discounts: Autopay, loyalty
  • Eligibility: Must be a U.S. citizen or permanent resident and have at least $10,000 in student loans
  • Customer service: Email, phone, chat
  • Soft credit check: Yes
  • Cosigner release: After 24 to 36 months
  • Loan servicer: Firstmark Services
  • Max. Undergraduate Loan Balance: $100,000 to $149,000
  • Max. Graduate Loan Balance: Less than $150,000
  • Offers Parent PLUS Refinancing: Yes


Credible Rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
View details
5.24%+2 5.24%+2 5, 7, 10, 12, 15, 20$5,000 to $300,000
(depending on degree type)
  • Fixed APR: 5.24%+2
  • Variable APR: 5.24%+2
  • Min. credit score: Does not disclose
  • Loan amount: $5,000 to $300,000
  • Loan terms (years): 5, 7, 10, 12, 15
  • Repayment options: Military deferment, forbearance, loans discharged upon death or disability
  • Fees: Late fee
  • Discounts: Autopay
  • Eligibility: All states except for ME
  • Customer service: Email, phone, chat
  • Soft credit check: Yes
  • Cosigner release: After 24 to 36 months
  • Loan servicer: College Ave Servicing LLC
  • Max. Undergraduate Loan Balance: $100,000 to $149,000
  • Max. Graduate Loan Balance: Less than $300,000
  • Offers Parent PLUS Refinancing: Yes

edvestinu student loan refinance

Credible Rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
View details
7.41%+5 7.29%+5 5, 10, 15, 20$1,000 to $250,000
  • Fixed APR: 7.41%+5
  • Variable APR: 7.29%+5
  • Min. credit score: 700
  • Loan amount: $7,500 to $200,000
  • Loan terms (years): 5, 10, 15, 20
  • Repayment options: Immediate repayment, academic deferment, forbearance, loans discharged upon death or disability
  • Fees: None
  • Discounts: Autopay
  • Eligibility: Must be a U.S. citizen or permanent resident and submit two personal references
  • Customer service: Email, phone
  • Soft credit check: Yes
  • Cosigner release: After 36 months
  • Loan servicer: Granite State Management & Resources (GSM&R)
  • Max. Undergraduate Loan Balance: $150,000 to $249,000
  • Max. Graduate Loan Balance: $150,000 to $199,000
  • Offers Parent PLUS Refinancing : Yes


Credible Rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
View details
4.83%+3 3.99%+3 5, 7, 10, 12, 15, 20$10,000 to $250,000
  • Fixed APR: 4.83%+3
  • Variable APR: 3.99%+3
  • Min. credit score: 680
  • Loan amount: $10,000 to $250,000
  • Loan terms (years): 5, 7, 10, 12, 15, 20
  • Repayment options: Forbearance
  • Fees: None
  • Discounts: None
  • Eligibility: Must be a U.S. citizen or permanent resident, have at least $15,000 in student loan debt, and have a bachelor’s degree or higher from an approved school
  • Customer service: Email, phone
  • Soft credit check: Yes
  • Cosigner release: No
  • Loan servicer: Mohela
  • Max. Undergraduate Loan Balance: $250,000
  • Max. Graduate Loan Balance: $250,000
  • Offers Parent PLUS Refinancing: Yes


Credible Rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
View details
5.61%+4 6.61%+4 5, 10, 15, 20$5,000 to $250,000
  • Fixed APR: 5.61%+4
  • Variable APR: 6.61%+4
  • Min. credit score: 670
  • Loan amount: $5,000 to $250,000
  • Loan terms (years): 5, 10, 15, 20
  • Repayment options: Academic deferment, military deferment, forbearance
  • Fees: Late fee
  • Discounts: Autopay
  • Eligibility: Must be U.S. citizen or permanent resident
  • Customer service: Email, phone, chat
  • Soft credit check: Yes
  • Cosigner release: Yes
  • Max undergraduate loan balance: $250,000
  • Max graduate loan balance: $250,000
  • Offers Parent PLUS refinancing: Yes


Credible Rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
View details
6.94%+ 7N/A5, 7, 10, 12, 15, 20Up to $300,000
  • Fixed APR: 6.94%+ 7
  • Variable APR: N/A
  • Min. credit score: 670
  • Loan amount: Up to $300,000
  • Loan terms (years): 5, 7, 10, 15, 20
  • Time to fund: Usually one business day
  • Repayment options: Academic deferral, military deferral, forbearance, death/disability discharge
  • Fees: None
  • Discounts: Autopay
  • Eligibility: Available in all 50 states
  • Customer service: Email, phone
  • Soft credit check: Yes
  • Cosigner release: After 24 months
  • Max. undergraduate loan balance: $300,000
  • Max. graduate balance: $300,000
  • Offers Parent PLUS loans: Yes
  • Min. income: None


Credible Rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
View details
4.49%+ 4.38%+ 5, 7, 10, 15Up to $300,000
  • Fixed APR: 4.49%+
  • Variable APR: 4.38%+
  • Min. credit score: 700
  • Loan amount: $5,000 to $300,000
  • Loan terms (years): 5, 7, 10, 15
  • Max. undergraduate Loan Balance: $125,000
  • Time to Fund: 10 to 30 days
  • Repayment options: Immediate repayment, forbearance
  • Fees: Late fee
  • Discounts: Autopay
  • Eligibility: Must be a U.S. citizen or permanent resident and have already graduated with at least an associate degree from an eligible institution
  • Customer service: Email, phone
  • Soft credit check: Yes
  • Cosigner release: After 12 months
  • Loan servicer: LendKey Technologies Inc.
  • Max. graduate Loan Balance: $175,000
  • Credible Review: LendKey Student Loans review
  • Offers Parent PLUS Refinancing: No


Credible Rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
View details
5.1%+ N/A7, 10, 15$10,000 up to the total amount of qualified education debt
  • Fixed APR: 5.1%+
  • Variable APR: N/A
  • Min. credit score: 670
  • Loan amount: $10,000 up to the total amount
  • Loan terms (years): 7, 10, 15
  • Repayment options: Military deferment, loans discharged upon death or disability
  • Fees: None
  • Discounts: None
  • Eligibility: Must be a U.S. citizen or permanent resident and have at least $10,000 in student loans
  • Customer service: Email, phone
  • Soft credit check: Yes
  • Cosigner release: No
  • Loan servicer: AES
  • Max. Undergraduate Loan Balance: No maximum
  • Max. Gradaute Loan Balance: No maximum
  • Offers Parent PLUS Refinancing: Yes


Credible Rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
View details
5.49%+ N/A5, 8, 12, 15$7,500 to $300,000
  • Fixed APR: 5.49%+
  • Variable APR: N/A
  • Min. credit score: 670
  • Loan amount: $7,500 to $300,000
  • Loan terms (years): 5, 8, 12, 15
  • Repayment options: Does not disclose
  • Fees: None
  • Discounts: None
  • Eligibility: Must be a U.S. citizen and have and at least $7,500 in student loans
  • Customer service: Email, phone, chat
  • Soft credit check: Yes
  • Cosigner release: After 12 months
  • Loan servicer: PenFed
  • Max. Undergraduate Loan Balance: $300,000
  • Max. Graduate Loan Balance: $300,000
  • Offers Parent PLUS Refinancing: Yes


Credible Rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
View details
5.29%+ N/A5, 10, 15$7,500 up to $250,000
(depending on highest degree earned)
  • Fixed APR: 5.29%+
  • Variable APR: N/A
  • Min. credit score: 680
  • Loan amount: $7,500 to $250,000
  • Loan terms (years): 5, 10, 15
  • Repayment options: Academic deferment, military deferment, forbearance, loans discharged upon death or disability
  • Fees: None
  • Discounts: Autopay
  • Eligibility: Available in all 50 states; must also have at least $7,500 in student loans and a minimum income of $40,000
  • Customer service: Email, phone
  • Soft credit check: Does not disclose
  • Cosigner release: No
  • Loan servicer: Rhode Island Student Loan Authority
  • Max. Undergraduate Loan Balance: $150,000 - $249,000
  • Max. Graduate Loan Balance: $200,000 - $249,000
  • Offers Parent PLUS Refinancing: Yes
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Emily Guy Birken
Emily Guy Birken

Emily Guy Birken is a Credible authority on student loans and personal finance. Her work has been featured by Forbes, Kiplinger’s, Huffington Post, MSN Money, and The Washington Post online.

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Home » All » Student Loan Refinancing » Federal Student Loans and COVID-19: What You Need to Know

Student Loan Refinancing Basics


  • How to Refinance Student Loans
  • Refinancing Federal Student Loans
  • Refinancing Private Student Loans

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