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But you may be able to get help repaying your loans, including full loan forgiveness, through one of the federal student loan programs. You never know what you may be eligible for, so take a look at the options listed below.
In certain situations, you can have your federal student loans forgiven, canceled, or discharged. That means you won’t have to pay back some or all of your loan(s). The terms “forgiveness,” “cancellation,” and “discharge” mean essentially the same thing.
For borrowers enrolled in an IDR plan and who meet the income requirement, cancel all principal and interest above the principal and interest balance at the time their federal student loans entered repayment.
Federal Student Loans: Repaying Your Loans—Provides information about federal student loan repayment plan options, finding loan history and loan servicers, and making payments.
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The tool helps you review different student loan repayment plans and compare estimated monthly payments, total paid over time, and more. Under some income-driven repayment (IDR) plans, including the new Saving on a Valuable Education (SAVE) Plan , your monthly payment could be as low as $0.
Learn how to manage your student loans, find a repayment plan, understand how to make payments, explore your options, and get help if you've missed payments.
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The PSLF Program forgives the remaining balance on your Direct Loans after you have made 120 qualifying monthly payments under a qualifying repayment plan while working full-time for a qualifying employer.
Aidvantage is here to help you better understand and manage repayment of your federal student loans. Log in to explore repayment options, manage your payments, and get answers to your student loan questions.