{"id":43979,"date":"2020-10-06T15:00:54","date_gmt":"2020-10-06T23:00:54","guid":{"rendered":"https:\/\/www.credible.com\/blog\/?p=43979"},"modified":"2023-06-05T15:13:05","modified_gmt":"2023-06-05T22:13:05","slug":"how-to-get-student-loan-repayment-help","status":"publish","type":"post","link":"https:\/\/www.credible.com\/blog\/refinance-student-loans\/student-loan-help\/","title":{"rendered":"How to Get Student Loan Repayment Help"},"content":{"rendered":"<div class=\"basic-box\" style=\"border: 1px solid #E2E4E6;\"><div class=\"basic-box__inside\"><b>Student loan relief during COVID-19: <\/b>Federal student loan payments and interest have been paused through September 1, 2023.\u00a0<\/div><\/div>\n<p>There are countless reasons why student loans might be a financial strain \u2014 for example, maybe you\u2019ve run into financial hardship, lost your job, or had an unexpected injury or illness. If you <a href=\"https:\/\/www.credible.com\/blog\/refinance-student-loans\/cant-pay-student-loans\/\">can\u2019t keep up with your monthly payments<\/a> and need student loan help, there are programs and resources available.<\/p>\n<p>It\u2019s important to reach out for help before you miss any of your student loan payments, as being delinquent or defaulting on your loans could lead to fees, damage to your credit, or other penalties.<\/p>\n<p><b>Here\u2019s how you can find help with federal or private student loan debt:<\/b><\/p>\n<ul>\n<li><a href=\"#always-start-with-calling-your-student-loan-servicer\">Always start with calling your student loan servicer<\/a><\/li>\n<li><a href=\"#how-to-get-help-with-federal-student-loans\">How to get help with federal student loans<\/a><\/li>\n<li><a href=\"#how-to-get-help-with-private-student-loans\">How to get help with private student loans<\/a><\/li>\n<li><a href=\"#free-help-navigating-federal-and-private-student-loan-repayment\">Free help navigating federal and private student loan repayment<\/a><\/li>\n<\/ul>\n<p><a name=\"always-start-with-calling-your-student-loan-servicer\"><\/a><\/p>\n<h2>You should always start with calling your student loan servicer<\/h2>\n<p>Regardless of if you have federal or private student loans (or both), your first step should be to call your student loan servicer if you think you\u2019ll miss a payment. You might need to contact multiple servicers if you have a mix of federal and private student loans.<\/p>\n<p>When you call, explain your situation and ask about your options. For example, you might be able to pause your payments, qualify for a lower payment, or receive other assistance. If you have federal student loans, you could sign up for income-driven repayment. Calling is the best way to find out what help is available for you.<\/p>\n<div class=\"basic-box\" style=\"border: 1px solid #E2E4E6;\"><div class=\"basic-box__inside\"><b>What if I don\u2019t know who my loan servicer is?<\/b> To find out who your loan service is, check your most recent student loan statement. This might have been mailed or emailed to you, or it could be available to you online. Your loan servicer will be listed in the student loan statement along with contact information.<\/p>\n<p>If you can\u2019t find any of your statements, you can also get a copy of your credit report to see which company is reporting your student loan balance.<\/div><\/div>\n<p><em><strong>Learn More: <a href=\"https:\/\/www.credible.com\/blog\/student-loans\/private-student-loans-covid\/\">Private Student Loans &amp; COVID-19: What You Need to Know<\/a><\/strong><\/em><\/p>\n<p><a name=\"how-to-get-help-with-federal-student-loans\"><\/a><\/p>\n<h2>Here\u2019s how to get help with federal student loans<\/h2>\n<p>If you need help with federal student loans, here are some options depending on your situation:<\/p>\n<ul>\n<li><a href=\"#payments-are-too-high\">When your payments are too high<\/a><\/li>\n<li><a href=\"#might-qualify-for-forgiveness\">When you might qualify for forgiveness<\/a><\/li>\n<li><a href=\"#need-to-pause-payments\">When you need to pause your student loan payments<\/a><\/li>\n<li><a href=\"#loans-are-in-default\">When your student loans are in default<\/a><\/li>\n<\/ul>\n<p><a name=\"payments-are-too-high\"><\/a><\/p>\n<h3>When your payments are too high<\/h3>\n<p>If your student loan payments are too much to handle, an income-driven repayment (IDR) plan could be a good option. On an IDR plan, your monthly payment is based on your income. And depending on the plan you choose, any remaining balance will be forgiven after 20 to 25 years.<\/p>\n<p><b>Here are the four IDR plans available:<\/b><\/p>\n<ul>\n<li><a href=\"https:\/\/www.credible.com\/blog\/refinance-student-loans\/income-based-repayment\/\"><b>Income-Based Repayment (IBR)<\/b><\/a><b>: <\/b>If you took out your loans before July 1, 2014, your payments will generally be 15% of your discretionary income, and any remaining balance will be forgiven after 25 years of payments. For loans newer than this, your payments will generally be set at 10% of your discretionary income, and any remaining balance will be forgiven after 20 years.<\/li>\n<li><a href=\"https:\/\/www.credible.com\/blog\/refinance-student-loans\/pay-as-you-earn-repayment-plan\/\"><b>Pay As You Earn (PAYE)<\/b><\/a><b>: <\/b>On the PAYE plan, your monthly payment will be 10% of your discretionary income, and any remaining unpaid balance will be forgiven after 20 years.<\/li>\n<li><a href=\"https:\/\/www.credible.com\/blog\/refinance-student-loans\/repaye\/\"><b>Revised Pay As You Earn (REPAYE)<\/b><\/a><b>: <\/b>Under REPAYE, payments are set at 10% of your discretionary income. If you have undergraduate loans, they\u2019ll be forgiven after 20 years. For graduate loans, any remaining balance will be forgiven after 25 years.<\/li>\n<li><a href=\"https:\/\/www.credible.com\/blog\/refinance-student-loans\/income-contingent-repayment\/\"><b>Income-Contingent Repayment (ICR)<\/b><\/a><b>: <\/b>Payments are set at 20% of your discretionary income on ICR, and any remaining balance will be forgiven after 25 years.<\/li>\n<\/ul>\n<p>In addition to an IDR plan, you could also consider consolidating your federal student loans into a Direct Consolidation Loan. With a Direct Consolidation Loan, you could extend your repayment term up to 30 years, which will likely lower your student loan payment.<\/p>\n<p>Another option could be student loan refinancing. If you refinance, you might qualify for a lower interest rate or get a longer repayment term.<\/p>\n<p>But keep in mind that by <a href=\"https:\/\/www.credible.com\/blog\/refinance-student-loans\/can-you-refinance-federal-student-loans\/\">refinancing federal student loans<\/a>, you\u2019ll lose access to federal benefits and protections, including access to income-driven repayment and student loan forgiveness programs.<\/p>\n<div class=\"basic-box\" style=\"border: 1px solid #E2E4E6;\"><div class=\"basic-box__inside\"><span style=\"font-size: x-large;\"><strong>Find out if refinancing is right for you<\/strong><\/span><\/p>\n<ul class=\"list--iconArrow accent--isGreen\">\n<li><strong>Compare actual rates, not ballpark estimates<\/strong> &#8211; Unlock rates from multiple lenders in about 2 minutes<\/li>\n<li><strong>Won&#8217;t impact credit score<\/strong> &#8211; Checking rates on Credible won&#8217;t impact your credit score<\/li>\n<li><strong>Data privacy<\/strong> &#8211; We don&#8217;t sell your information, so you won&#8217;t get calls or emails from multiple lenders<\/li>\n<\/ul>\n<p style=\"text-align: center;\"><a class=\"btn btn-warning\" href=\"https:\/\/www.credible.com\/refinance-student-loans\">See Your Refinancing Options<\/a><br \/>\n<small>Credible is 100% free!<\/small><\/p>\n<p><!-- TrustBox widget - Micro Combo --><\/p>\n<div class=\"trustpilot-widget\" data-locale=\"en-US\" data-template-id=\"5419b6ffb0d04a076446a9af\" data-businessunit-id=\"5536ec090000ff00057eebe7\" data-style-height=\"20px\" data-style-width=\"100%\" data-theme=\"light\"><a href=\"https:\/\/www.trustpilot.com\/review\/www.credible.com\" target=\"_blank\" rel=\"noopener noreferrer\">Trustpilot<\/a><\/div>\n<p><!-- End TrustBox widget --><\/p>\n<\/div><\/div>\n<p><a name=\"might-qualify-for-forgiveness\"><\/a><\/p>\n<h3>When you might qualify for forgiveness<\/h3>\n<p>Depending on your profession, you might qualify for a <a href=\"https:\/\/www.credible.com\/blog\/refinance-student-loans\/student-loan-forgiveness-programs\/\">student loan forgiveness program<\/a>.<\/p>\n<p>For example, if you work for a government or nonprofit agency, you could qualify for <a href=\"https:\/\/www.credible.com\/blog\/refinance-student-loans\/public-service-loan-forgiveness\/\">Public Service Loan Forgiveness<\/a> after working for 10 years and making 120 qualifying payments.<\/p>\n<div class=\"basic-box\" style=\"border: 1px solid #E2E4E6;\"><div class=\"basic-box__inside\"><b>Stay alert! <\/b>There are student loan forgiveness scams out there, so be sure to double-check that you\u2019re working with a trusted entity. You should never have to pay for a student loan forgiveness program.<\/p>\n<p><b><i>See: <\/i><\/b><a href=\"https:\/\/www.credible.com\/blog\/refinance-student-loans\/spot-student-loan-scams-debt-relief-services\/\"><b><i>Student Debt Relief Scams<\/i><\/b><\/a><\/div><\/div>\n<p>Keep in mind that student loan forgiveness is only available for federal student loans. There are no private student loan forgiveness programs.<\/p>\n<p><a name=\"need-to-pause-payments\"><\/a><\/p>\n<h3>When you need to pause your student loan payments<\/h3>\n<p>Student loan deferment or forbearance could be a good choice if you\u2019re experiencing a temporary financial hardship. Both programs allow you to temporarily pause your student loan payments.<\/p>\n<h4>Deferment<\/h4>\n<p>You might qualify for federal student loan deferment if you\u2019re:<\/p>\n<ul>\n<li>Experiencing economic hardship<\/li>\n<li>Undergoing cancer treatment<\/li>\n<li>Enrolled in a graduate fellowship program<\/li>\n<li>Going back to school<\/li>\n<li>Serving in the military<\/li>\n<\/ul>\n<p>There are also other limited situations where you might be able to have your loans deferred.<\/p>\n<p><b><i>Learn More: <\/i><\/b><a href=\"https:\/\/www.credible.com\/blog\/refinance-student-loans\/student-loan-deferment\/\"><b><i>Student Loan Deferment<\/i><\/b><\/a><\/p>\n<h4>Forbearance<\/h4>\n<p>There are two types of forbearance available: general (or discretionary) and mandatory. If you\u2019re eligible for mandatory forbearance, your loan servicer is required to approve your request. General forbearance, on the other hand, is granted at the discretion of the servicer.<\/p>\n<p><b>You might qualify for general forbearance if you:<\/b><\/p>\n<ul>\n<li>Are experiencing financial difficulties<\/li>\n<li>Have major medical expenses<\/li>\n<li>Undergo a change of employment<\/li>\n<\/ul>\n<p><b>You could be eligible for mandatory forbearance if you: <\/b><\/p>\n<ul>\n<li>Serve in the AmeriCorps<\/li>\n<li>Qualify for the Department of Defense Student Loan Repayment Program<\/li>\n<li>Serve in a medical or dental internship or residency<\/li>\n<li>Are a member of the National Guard<\/li>\n<li>Must pay 20% or more of your monthly gross income to cover your monthly federal student loan payments<\/li>\n<\/ul>\n<p>Other limited forbearance programs are also available. Find out more about <a href=\"https:\/\/www.credible.com\/blog\/refinance-student-loans\/student-loan-forbearance\/\">student loan forbearance<\/a>.<\/p>\n<div class=\"basic-box\" style=\"border: 1px solid #E2E4E6;\"><div class=\"basic-box__inside\"><b>What about interest?<\/b> If you choose forbearance, you\u2019ll have to pay any interest that accrues. With deferment, you might not have to worry about interest depending on the type of loan you have.<\/p>\n<p><b><i>Learn More: <\/i><\/b><a href=\"https:\/\/www.credible.com\/blog\/refinance-student-loans\/deferment-forbearance-student-loans\/\"><b><i>Student Loan Deferment vs. Forbearance<\/i><\/b><\/a><\/div><\/div>\n<p><a name=\"loans-are-in-default\"><\/a><\/p>\n<h3>When your student loans are in default<\/h3>\n<p>If you miss a federal student loan payment, your loan will be considered delinquent. Your loan will go into default if your payment is 270 days or more past due.<\/p>\n<p>While you should avoid either situation, defaulting on a student loan has additional consequences, including:<\/p>\n<ul>\n<li>Your entire unpaid balance and interest become due immediately<\/li>\n<li>Ineligibility for future federal student aid (including federal student loans)<\/li>\n<li>Losing access to benefits such as deferment, forbearance, and income-driven repayment<\/li>\n<\/ul>\n<div class=\"basic-box\" style=\"border: 1px solid #E2E4E6;\"><div class=\"basic-box__inside\"><b>One option for <a href=\"https:\/\/www.credible.com\/blog\/refinance-student-loans\/defaulted-student-loans\/\">getting out of default<\/a> is loan rehabilitation.<\/b> To rehabilitate a loan, you must make nine on-time payments for 10 consecutive months. To sign up for loan rehabilitation, contact your loan servicer.<\/div><\/div>\n<p>You could also consider consolidating your loans into a Direct Consolidation Loan. This will pay off your defaulted loans and leave you with just one federal student loan to handle.<\/p>\n<p>Before consolidating your defaulted loans, you must either agree to repay your consolidated loan under an IDR plan or make three on-time, consecutive monthly payments on the defaulted loan first.<\/p>\n<p><b><i>Learn More: <\/i><\/b><b><i><\/i><\/b><\/p>\n<ul>\n<li><em><strong><a href=\"https:\/\/www.credible.com\/blog\/refinance-student-loans\/refinancing-consolidated-federal-student-loans\/\">Refinancing Consolidated Federal Student Loans: Can You and Should You?<\/a><\/strong><\/em><\/li>\n<li><a href=\"https:\/\/www.credible.com\/student-loan-consolidation\"><b><i>Private Student Loan Consolidation<\/i><\/b><\/a><\/li>\n<\/ul>\n<p><a name=\"how-to-get-help-with-private-student-loans\"><\/a><\/p>\n<h2>How to get help with private student loans<\/h2>\n<p>Here are a few potential options if you\u2019re having trouble with private student loans:<\/p>\n<ul>\n<li><a href=\"#payments-are-too-high2\">When your payments are too high<\/a><\/li>\n<li><a href=\"#need-to-pause-payments2\">When you need to pause your student loan payments<\/a><\/li>\n<li><a href=\"#loans-are-in-default2\">When you\u2019re in default<\/a><\/li>\n<\/ul>\n<p><a name=\"payments-are-too-high2\"><\/a><\/p>\n<h3>When your payments are too high<\/h3>\n<p><a href=\"https:\/\/www.credible.com\/refinance-student-loans\">Student loan refinancing<\/a> might be a good choice if you can\u2019t afford your payments. When you refinance, your student loans are paid off with a new loan.<\/p>\n<p>You might also qualify for a lower interest rate or choose to <a href=\"https:\/\/www.credible.com\/blog\/refinance-student-loans\/change-repayment-plan\/\">extend your repayment term<\/a> (or both), which could reduce your monthly payment.<\/p>\n<div class=\"basic-box\" style=\"border: 1px solid #E2E4E6;\"><div class=\"basic-box__inside\"><b>Keep in mind:<\/b> A longer repayment period might lead to higher interest costs over time.<\/div><\/div>\n<p>If you decide to refinance, be sure to shop around and consider as many lenders as possible. This way, you can find the right loan for your situation. Credible makes this easy \u2014 you can compare your rates from our partner lenders in the table below in two minutes.<\/p>\n\n<table id=\"tablepress-239\" class=\"tablepress tablepress-id-239 table table-border-top table-rounded table-align-center table-capitalized-column-titles table-no-img-margin tbody-has-connected-cells\">\n<thead>\n<tr class=\"row-1\">\n\t<th class=\"column-1\"><strong>Lender<\/strong><\/th><th class=\"column-2\"><strong>Fixed rates from (APR)<\/strong><\/th><th class=\"column-3\"><strong>Variable rates from (APR)<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-hover\">\n<tr class=\"row-2\">\n\t<td class=\"column-1\"><img decoding=\"async\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2019\/06\/brazos-education-lending-logo-proper-size.png\" alt=\"brazos student loan refinancing\" width=\"85\"\/><\/td><td class=\"column-2\">  <span>\n    3.99%+<sup><\/sup>\n  <\/span>\n<\/td><td class=\"column-3\">  <span>\n    3.65%+<sup><\/sup>\n  <\/span>\n<\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td class=\"column-1\"><img decoding=\"async\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2021\/04\/citizens_logo_updated_trans-png.png\" alt=\"citizens student loans\" width=\"100\" \/><\/td><td class=\"column-2\">  <span>\n    5.65%+<sup>1<\/sup>\n  <\/span>\n <\/td><td class=\"column-3\">  <span>\n    5.69%+<sup>1<\/sup>\n  <\/span>\n<\/td>\n<\/tr>\n<tr class=\"row-4\">\n\t<td class=\"column-1\"><img decoding=\"async\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2024\/09\/CASL_Logo_400x100@2x.png\" alt=\"college ave student loans\" width=\"85\" \/><\/td><td class=\"column-2\">  <span>\n    6.99%+<sup>2<\/sup>\n  <\/span>\n<\/td><td class=\"column-3\">  <span>\n    6.99%+<sup>2<\/sup>\n  <\/span>\n<\/td>\n<\/tr>\n<tr class=\"row-5\">\n\t<td class=\"column-1\"><img decoding=\"async\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2019\/03\/edvestinu.png\" alt=\"edvestinu student loan consolidation\" width=\"85\" \/><\/td><td class=\"column-2\">  <span>\n    4.15%+<sup>5<\/sup>\n  <\/span>\n<\/td><td class=\"column-3\">  <span>\n    5.22%+<sup>5<\/sup>\n  <\/span>\n<\/td>\n<\/tr>\n<tr class=\"row-6\">\n\t<td class=\"column-1\"><img decoding=\"async\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2018\/10\/elfi-logo.png\" alt=\"elfi student loans\" width=\"85\" \/><\/td><td class=\"column-2\">  <span>\n    4.29%+<sup>3<\/sup>\n  <\/span>\n<\/td><td class=\"column-3\">  <span>\n    4.74%+<sup>3<\/sup>\n  <\/span>\n<\/td>\n<\/tr>\n<tr class=\"row-7\">\n\t<td class=\"column-1\"><img decoding=\"async\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/03\/logo.png\" alt=\"mefa refinancing\" width=\"85\" \/><\/td><td class=\"column-2\">  <span>\n    5.31%+<sup>4<\/sup>\n  <\/span>\n<\/td><td class=\"column-3\">  <span>\n    6.83%+<sup>4<\/sup>\n  <\/span>\n<\/td>\n<\/tr>\n<tr class=\"row-8\">\n\t<td class=\"column-1\"><img decoding=\"async\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/03\/LendKey-e1626094327612.png\" alt=\"lendkey\" width=\"100\" \/><\/td><td class=\"column-2\">  <span>\n    4.39%+<sup><\/sup>\n  <\/span>\n<\/td><td class=\"column-3\">  <span>\n    4.17%+<sup><\/sup>\n  <\/span>\n<\/td>\n<\/tr>\n<tr class=\"row-9\">\n\t<td class=\"column-1\"><img decoding=\"async\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/08\/logo-invested@2x.png\" alt=\"invested refinancing\" width=\"85\" \/><\/td><td class=\"column-2\">  <span>\n    6.2%+<sup><\/sup>\n  <\/span>\n<\/td><td class=\"column-3\">N\/A<\/td>\n<\/tr>\n<tr class=\"row-10\">\n\t<td class=\"column-1\"><img decoding=\"async\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/01\/risla.png\" alt=\"rhode island student loan authority refinancing\" width=\"85\" \/><\/td><td class=\"column-2\">  <span>\n    3.99%+<sup><\/sup>\n  <\/span>\n<\/td><td class=\"column-3\">N\/A<\/td>\n<\/tr>\n<tr class=\"row-11\">\n\t<td colspan=\"3\" class=\"column-1\"><b>Compare personalized rates from multiple lenders without affecting your credit score. 100% free!<br \/>\n<br \/>\n<center><a class=\"btn btn-warning\" href=\"https:\/\/www.credible.com\/refi\/prequal\">Compare Now<\/a><br \/>\n<!-- TrustBox widget - Micro Combo --><br \/>\n<div class=\"trustpilot-widget\" data-locale=\"en-US\" data-template-id=\"5419b6ffb0d04a076446a9af\" data-businessunit-id=\"5536ec090000ff00057eebe7\" data-style-height=\"20px\" data-style-width=\"100%\" data-theme=\"light\"><a href=\"https:\/\/www.trustpilot.com\/review\/www.credible.com\" target=\"_blank\" rel=\"noopener noreferrer\">Trustpilot<\/a><\/div><br \/>\n<!-- End TrustBox widget --><\/td>\n<\/tr>\n<tr class=\"row-12\">\n\t<td colspan=\"3\" class=\"column-1\"><p style=\"text-align: center;\"><small>All APRs reflect autopay and loyalty discounts where available | <a href=\"https:\/\/www.citizensbank.com\/student-lending\/DisclosureHub.aspx#rate-lowest\" target=\"_blank\" rel=\"noopener noreferrer\"><sup>1<\/sup>Citizens Disclosures <\/a> | <a href=\"https:\/\/www.credible.com\/a\/college-ave-disclosures\/\" target=\"_blank\" rel=\"noopener noreferrer\"><sup>2<\/sup>College Ave Disclosures <\/a> | <a href=\"https:\/\/www.credible.com\/a\/edvestinu-apr-details-refi\" target=\"_blank\" rel=\"noopener noreferrer\"><sup>5<\/sup>EDvestinU Disclosures <\/a> | <a href=\"https:\/\/www.elfi.com\/terms\/\" target=\"_blank\" rel=\"noopener noreferrer\"><sup>3<\/sup> ELFI Disclosures<\/a> | <a href=\"https:\/\/www.credible.com\/a\/invested-slr-disclosures\" target=\"_blank\" rel=\"noopener noreferrer\"><sup>4<\/sup>INvestEd Disclosures<\/a> | <a href=\"https:\/\/www.credible.com\/a\/ISL-Disclosures\" target=\"_blank\" rel=\"noopener noreferrer\"><sup>7<\/sup>ISL Education Lending Disclosures\u00a0<\/a> | <a href=\"https:\/\/www.credible.com\/disclosures-api\/get-latest\/refi.nelnet.blog-disclosures\"><sup>8<\/sup>Nelnet Bank Disclosures<\/a><\/small><\/p><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n<p><a name=\"need-to-pause-payments2\"><\/a><\/p>\n<h3>When you need to pause your student loan payments<\/h3>\n<p>While some private lenders have forbearance or deferment programs that let you pause your payments, this isn\u2019t universal across all lenders. For example, <a href=\"https:\/\/www.credible.com\/lenders\/sallie-mae\/\">Sallie Mae<\/a> offers deferment options for its private student loans.<\/p>\n<p>If you\u2019re interested in deferment or forbearance, contact your lender to see if either option is a possibility \u2014 or if there are any other alternatives available to you.<\/p>\n<div class=\"basic-box\" style=\"border: 1px solid #E2E4E6;\"><div class=\"basic-box__inside\"><b>Keep in mind:<\/b> Pausing private student loan payments generally doesn\u2019t stop interest from accruing. This means your balance will likely grow while your loans are in deferment or forbearance.<\/div><\/div>\n<p><b><i>Check Out: <\/i><\/b><a href=\"https:\/\/www.credible.com\/blog\/refinance-student-loans\/how-to-refinance-student-loans\/\"><b><i>How to Refinance Your Student Loans<\/i><\/b><\/a><\/p>\n<p><a name=\"loans-are-in-default2\"><\/a><\/p>\n<h3>When you\u2019re in default<\/h3>\n<p>If you\u2019ve defaulted by <a href=\"https:\/\/www.credible.com\/blog\/refinance-student-loans\/i-missed-a-student-loan-payment-should-i-be-concerned\/\">missing student loan payments<\/a>, be sure to contact your lender to see what your options are. This might include:<\/p>\n<ul>\n<li><b>Payment plan: <\/b>Generally, the best option for your credit is to try to get back into the groove of paying as agreed. Your lender might be willing to set up a payment plan to help you do so.<\/li>\n<li><b>Settlement:<\/b> If you\u2019re unable to make payments, your lender might be willing to take a lower payment if you can pay off part of your balance all at once. However, this could have long-term consequences for your credit that might not be worth it \u2014 even if it saves you money at the start.<\/li>\n<\/ul>\n<div class=\"basic-box\" style=\"border: 1px solid #E2E4E6;\"><div class=\"basic-box__inside\"><b>What about private student loan forgiveness?<\/b> Unfortunately, <a href=\"https:\/\/www.credible.com\/blog\/student-loans\/private-student-loan-forgiveness\/\">private student loan forgiveness<\/a> isn\u2019t an option. 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fas fa-chevron-down\"><\/div>\r\n        <div class=\"accordion-icons right accordion-minus fa fas fa-chevron-up\"><\/div>\r\n            <\/div><div class=\"accordion-content content1554142499803\">\r\n    <p>You might be considering bankruptcy if you can\u2019t keep up with your student loans. However, declaring bankruptcy most likely won\u2019t clear your student loan debt.<\/p>\n<p>If you\u2019d still like to explore your bankruptcy options, be sure to contact a student loan lawyer or bankruptcy attorney in your area that specializes in student loans. A good place to start your search for a student loan lawyer is with the <a href=\"https:\/\/www.consumeradvocates.org\/find-an-attorney\">National Association of Consumer Advocates<\/a>.<\/p>\n<\/div>\r\n\t<\/div>\r\n<\/div>\r\n\t\t\r\n<link rel=\"stylesheet\" type=\"text\/css\" media=\"all\" href=\"https:\/\/www.credible.com\/blog\/wp-content\/plugins\/accordions\/assets\/frontend\/css\/jquery-ui.css\"\/>\r\n<link rel=\"stylesheet\" type=\"text\/css\" media=\"all\" href=\"https:\/\/www.credible.com\/blog\/wp-content\/plugins\/accordions\/assets\/global\/css\/themes.style.css\"\/>\r\n<link rel=\"stylesheet\" type=\"text\/css\" media=\"all\" href=\"https:\/\/www.credible.com\/blog\/wp-content\/plugins\/accordions\/assets\/global\/css\/fontawesome.min.css\"\/>\r\n<link rel=\"stylesheet\" type=\"text\/css\" media=\"all\" href=\"https:\/\/www.credible.com\/blog\/wp-content\/plugins\/accordions\/assets\/global\/css\/animate.css\"\/>\n<p><em><strong>Learn more: <a href=\"https:\/\/www.credible.com\/blog\/refinance-student-loans\/statute-limitations-private-student-loans\/\">Statute of Limitations on Private Student Loans: State Guide<\/a><\/strong><\/em><\/p>\n<p><a name=\"free-help-navigating-federal-and-private-student-loan-repayment\"><\/a><\/p>\n<h2>Free help navigating federal and private student loan repayment<\/h2>\n<p>Handling student loans can be stressful \u2014 but you don\u2019t have to do it alone.<\/p>\n<ul>\n<li><b>If you\u2019re still in school<\/b>, contact your school\u2019s financial aid office to learn about support for dealing with student loans.<\/li>\n<li><b>After you graduate<\/b>, there are nonprofit organizations that could help you take control of your student loans. For example, <a href=\"https:\/\/freestudentloanadvice.org\/\">The Institute of Student Loan Advisors Corporation<\/a> offers advice for student loan borrowers. You can also contact your student loan servicer for help.<\/li>\n<\/ul>\n<div class=\"basic-box\" style=\"border: 1px solid #E2E4E6;\"><div class=\"basic-box__inside\"><b>Beware!<\/b> There are many shady companies that operate in the credit counseling space, including student loan counselors.<\/p>\n<p>If the company charges fees for free services, asks for sensitive information, or promises immediate student loan forgiveness, there\u2019s a good chance it\u2019s a scam.<\/p>\n<p>Be sure to trust your gut instinct \u2014 if something doesn\u2019t feel right, don\u2019t do it!<\/div><\/div>\n<p><b><i>Keep Reading: <a href=\"https:\/\/www.credible.com\/blog\/refinance-student-loans\/can-i-refinance-my-student-loans-if-i-didnt-finish-college\/\">Lenders That Will Refinance Student Loans for Non-Graduates<\/a><\/i><\/b><\/p>\n","protected":false},"excerpt":{"rendered":"<p>There are countless reasons why student loans might be a financial strain \u2014 for example, maybe you\u2019ve run into financial hardship, lost your job, or had an unexpected injury or illness. If you can\u2019t keep&hellip; <a class=\"more \" href=\"https:\/\/www.credible.com\/blog\/refinance-student-loans\/student-loan-help\/\">Continue reading<\/a><\/p>\n","protected":false},"author":96,"featured_media":43987,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"om_disable_all_campaigns":false,"inline_featured_image":false,"footnotes":""},"categories":[2],"tags":[1502],"class_list":["post-43979","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-refinance-student-loans","tag-deferment-forbearance","how-to-get-student-loan-repayment-help","post_tag-deferment-forbearance"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>How to Get Student Loan Repayment Help - Credible<\/title>\n<meta name=\"description\" content=\"Student loan help is available if you\u2019re struggling with your student loans. Learn more about your options here.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.credible.com\/blog\/refinance-student-loans\/student-loan-help\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How to Get Student Loan Repayment Help - Credible\" \/>\n<meta property=\"og:description\" content=\"Student loan help is available if you\u2019re struggling with your student loans. 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