Repaying your
student loans

Earning your degree is a personally fulfilling endeavor. But after all that hard work and those long nights, followed by the jubilation of graduation, you know what’s next: it’s time to pay back your federal student loans.

Essential quick links

Connect with your loan servicer

Frequently asked questions

Loan repayment challenges

Avoid student loan scams

Connect with your loan servicer

As you prepare for repayment, we recommend setting up an online account with your loan servicer to ensure your contact information is correct for communications and updates. Be sure to review your options, select the plan that fits your budget, and submit any necessary applications and supporting documentation.

Federal Student Aid

Log in to your federal student aid account for more information about your loan servicer and how to repay your federal student loans.

Federal Student Aid

Make sure to bookmark this page for future reference — even after you’ve completed your degree program.

Prepare for repayment

After reviewing your account with your servicer and understanding your payments, consider enrolling in automatic debit with your servicer(s). This will help you to stay on track and you may receive a 0.25% interest rate deduction.

Stay informed about your student loans

If you have questions, we encourage you to contact your loan servicer(s) or you can contact us at repayment@tamilfolksongs.com.

Frequently asked questions

When you first enter repayment, you’ll need to contact your loan servicer for details about repayment plans. To find out which servicer holds your federal loans, your best option is to  opens in new windowvisit studentaid.gov opens in new window. You’ll need the FSA ID you used to electronically sign your Free Application for Federal Student Aid (FAFSA®). If you’ve forgotten your FSA ID username or password, you can retrieve it here opens in new window. If you took out private, non-federal loans, you can usually find those on your credit report.

Loan repayment challenges

If you’re having difficulty making your payments, contact your loan servicer as soon as possible. It’s important you do so before your loan(s) become delinquent — to protect your credit.

You've got options for loan repayment

Several options are available for borrowers struggling to make payments, and your loan servicer can help you better understand how to select or change your payment plan — you may be able to reduce the monthly payment amount to $0 per month — or apply for a deferment or forbearance.

Here's more insight

When you first enter repayment, your loan servicer will ask you to select a repayment plan. If you don’t select one, you’ll be placed on the Standard Repayment Plan. If you want to change your payment amount, you can do so by changing your plan. Use the Loan Simulator on studentaid.gov opens in new window or contact your loan servicer to see how your monthly payment and total cost will change on different payment plans. 
 
Each of the available repayment plans is briefly explained below. Visit Federal Student Aid repayment plans opens in new window to learn more.

Our repayment partner

We’ve teamed up with Student Connections to answer your student loan repayment questions. If your account is with Student Connections, you can contact them through the listed options.

Avoid student loan scams

If you are contacted by a company asking you to pay “enrollment,” “subscription,” or “maintenance” fees to enroll you in a federal repayment plan or forgiveness program, you should walk away.

These services and more can be completed by your servicer for free!

Want to learn more? Read “How to Avoid Student Loan Forgiveness Scams opens in new window”.