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• Identify your loan servicer(s) on (right-hand side of your dashboard).
• Review your current total debt balance by clicking View Details on your dashboard. 
• Enroll in a repayment plan or switch repayment plans by selecting located above your dashboard.
• Create an account on your servicer(s) website to verify the information matches your Federal Student Aid dashboard.
• Enroll in autopay on your servicer(s) website to reduce your interest rate(s).
• Consider the pros and cons of . 

• Use the on to see which repayment plans you qualify for, and to help you choose the best repayment plan for your financial goals.
• Check if you qualify for . Contact your servicer(s) for more information.
• If you are experiencing financial hardship consider applying for ; however, it is better to choose a new repayment plan.
• If you are currently enrolled at least part-time in school, apply for . 

Rehabilitate your loan(s) by:

• Applying for the ; or,
• . 

Please call your loan servicer(s) if you believe there is an error with your loan balance or monthly payment amount. Be advised you may be on hold for several hours. Before contacting your servicer(s), please note it is possible for your balance to increase due to:

• Being granted extended deferment or forbearance.
• Consolidating, which may increase your repayment term thus increasing accrued interest.
• Each loan may have a different interest rate based on each academic year you borrowed.
• Enrolling in an IDR plan. For example, if you have a $0 monthly payment your loan(s) still accrues interest, and it increases your repayment term thus increasing accrued interest. 
• Federal student loan interest is calculated using a  

Contact your lender(s) customer service for assistance and ensure you have an online account with your lender(s).