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Frequently Asked Questions

Solution Finder

Click the one selection that best describes your situation. 

bulletABLE TO MAKE PAYMENTS
bulletIN SCHOOL
bulletNOT WORKING FULL-TIME
bulletINJURED OR DISABLED
bulletWORKING, NOT EARNING ENOUGH
bulletTEMPORARY SETBACK
bulletDOING MY DUTY

Able to Make Payments

bulletI am now able to make monthly payments to my account.

In School or Training

bulletI have returned to school on at least a half-time basis.
bulletI have not left school since I received my student loan(s).
bulletI am a medical or dental intern or resident.

Not Working Full-Time

bulletI am currently unemployed and actively seeking full-time employment (at least 30 hours a week).
bulletI am working less than 30 hours a week, and actively seeking full-time employment.

Injured or Disabled

bulletI am not working because I was injured and am in rehabilitation.
bulletI cannot work or go to school because I am disabled.

Working, but…

bulletI am working full-time (at least 30 hours a week), but I cannot make payments at my current monthly amount.  I can, however, make a smaller monthly payment.
bulletI am working full-time (at least 30 hours a week), but can make little or no payment toward my student loan(s).
bulletI have student loans held by different lenders or servicers. The combined amount is too much for me to pay right now.
bulletMy combined student loan debt is very high.  This makes it difficult for me to repay at my current monthly amount.

Temporary Setback

bulletI have had recent, temporary financial difficulty that has kept me from making payments.  I expect to be able to resume payments within several months.
bulletI can probably make payments at my current monthly installment amount, but cannot make up all my past due payments at one time.
bulletI have filed for bankruptcy.

Doing My Duty

bulletI am on active duty with a branch of the U. S. Armed Forces, the U.S. Public Health Service, or the National Oceanic and Atmospheric Administration Corps (NOAA).
bulletI am a full-time volunteer with the Peace Corps, ACTION, or a tax-exempt charitable organization.



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