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Frequently Asked Questions

Solution Finder

Click the one selection that best describes your situation. 

bullet ABLE TO MAKE PAYMENTS
bullet IN SCHOOL
bullet NOT WORKING FULL-TIME
bullet INJURED OR DISABLED
bullet WORKING, NOT EARNING ENOUGH
bullet TEMPORARY SETBACK

Because you are unsure about the date of your earliest student loan, we will assume that, like most borrowers we work with, you took out your earliest loan on or after July 1, 1993.  Please note, however, that the date of your earliest loan affects your eligibility for various types of deferments.  If you borrowed your earliest loan before July 1, 1993, the Solution Finder Results we present to you may not be accurate with respect to deferments.  To find out more about the types of deferments that are available for each “loan era,” click here.

Able to Make Payments

bullet I am now able to make monthly payments to my account.

In School or Training

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

Not Working Full-Time

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

Injured or Disabled

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

Working, but…

bullet I 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.
bullet I am working full-time (at least 30 hours a week), but can make little or no payment toward my student loan(s).
bullet I have student loans held by different lenders or servicers.  The combined amount is too much for me to pay right now.
bullet My combined student loan debt is very high.  This makes it difficult for me to repay at my current monthly amount.

Temporary Setback

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



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(888) 633-4850


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