Benefits of Staying Current
Consequences of Default
Solution Finder
Budget Help & Mapping Your Future
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Repayment Schedules
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Frequently Asked Questions


Borrowers who are successful in repaying their student loans develop the habit of making their monthly payments on time.  We know that is easier said than done, but there are steps you can take that will help you develop that habit:

bullet Enhance Your Employment. 
You may be working full-time, and are, therefore, not eligible for an unemployment deferment.  But it is also possible that you are not being paid what your worth.  There are a number of excellent Internet sites that can help you Upgrade Your Employment.
bullet Make a Budget. 
If you have not made a monthly budget that includes your student loan payment, visit our Budget Help page.
bullet Automate Your Payments.
We strongly recommend arranging to make your student loan payments by automatic monthly deductions from your checking account.  This removes the hassle of writing and mailing a check each month.  It also removes the temptation of using your funds for something else.  It may also make repayment cheaper for you.

Many lenders and servicers offer interest rate deductions to borrowers who make their payments this way.  Your lender or servicer may also offer a rate reduction if you remain current for a specified period.  The surest way to remain current is to make automatic payments.  Contact your lender or servicer today to arrange automatic monthly payments.  Click here for a list of servicers and contacts.

If you find that you are now able to start or resume making payments to your account, but feel that it will be difficult to make up the past due amount, you make wish to request a Forbearance from your lender or servicer.

Student Loan Counseling Service, Inc
(888) 633-4850