Student loans
This chart shows options for paying down federal student loans whether you're in a solid or shaky financial situation.
I am in a solid financial situation:
- Standard repayment plan
- Graduated repayment plan
I am in a shaky financial situation:
- I need a payment plan that's tied to my income:
- Income-based repayment
- Income-contingent repayment
- Pay-as-you-earn plan
- I need a temporary break from payments:
- Deferment
- Forbearance
- I work in a public service:
- Loan forgiveness or cancellation
- My school closed, I'm facing extreme financial hardship, and/or certain other specific circumstances apply:
- Loan discharge