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    Federal Loan Repayment Restart Guide

    With the end of the COVID-19 pandemic, the federal government is beginning federal loan repayments starting October 2023. There are many areas that loan holders should be informed to ensure a seamless restart of their payments. Our goal is to help you avoid early mistakes that may have negative consequences or defaults for non-payment. 

    Below are Q&As and guides to assist you. As always, you may contact our office and speak to a financial aid counselor to help you through the process.

    Frequently Asked Questions

    • I am currently attending college. Do I need to begin repaying my federal loans?

      Not at all. For a student to enter repayment, they must be enrolled for less than half-time for a period of six months or more.

    • If I have graduated but am planning to return for a second bachelor or graduate degree, will I still need to start repaying my loans?

      If you have been out of your previous program for more than six months, you will be in repayment. However, if you return for another degree program, your loans will go into deferment once your program begins if you are enrolled for half-time or more hours.

    • I have heard the terms deferment and forbearance, what do these mean regarding federal loan repayment?
      • Deferment - Students currently in a degree program or have been out of their program for less than six months are in deferment – meaning their repayment is deferred (no payments) until after six months. 
      • Forbearance - When a student is currently in repayment status, but due to an arrangement with the loan servicer their payments have been temporarily suspended – this could be due to medical reasons, military service, and others. You will need to contact your loan servicer to see if you qualify for forbearance and apply.
    • I am not currently attending college, when will my federal loan repayment begin?

      For borrowers not currently in deferment or forbearance they should contact their loan servicer if they have not yet received notification of their loan repayment start date. Download the How to Prepare for Successful Student Loan Repayment (PDF) guide for help.

    • I have heard there are some scams out there, how can I avoid them?
      • Know Your Servicer – If you don’t know who your servicer is, you can find out by logging in to the Federal Student Aid website and visiting the “My Loan Servicer” section of your dashboard.
      • Never Pay for Help – Your student loan servicer will assist you for free; you should never pay an outside entity to help with your student loans.
      • Contact Servicer Directly – While you may call your loan servicer, they will always initiate communication with you via email. Unless you contact them directly, never share personal information over the phone.

    Resources

    • Federal Student Loan Repayment Website
    • How to Prepare for Successful Student Loan Repayments (PDF)
    • Tips for Preparing to Resume Payment (PDF)
    • How to Pick the Right Repayment Plan (PDF)
    • Other Programs to Help with Student Loan Debt (PDF)
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