As you make your education-loan payments, consider interest-saving provisions that can help reduce your loan-repayment costs. As your personal circumstances change, you should review the repayment plans and deferment and forbearance options available to you. To stay on course to pay off your loan, consider our repayment advice.

Most borrowers of federal education loans must repay the full amount that they borrowed plus interest. Borrowers in certain occupations, however, may qualify for loan forgiveness. Certain teachers and those serving in areas of national need may qualify for loan forgiveness for their Federal Family Education Loan Program loans.

If you're not familiar with education-loan terms, check out our glossary of loan terms.

Questions?
Contact your loan servicer or the holder of your loans for more information about loan-repayment options. If you don't know who services or holds your loans, use the the National Student Loan Data System Student Access Web site.

Find more information about the NSLDS Student Access Web site and tips for accessing information about your federal student loans and Pell Grants.