You're going to have to start paying back your loans soon. Here are your options if you can't
. The good news is that borrowers whose loans are held by the federal government have several options if they can’t afford to make their payments.Know what type of loan and servicer you have
Borrowers should ensure all contact information is up to date on both their loan servicer and education department accounts so they can stay up to date with ongoing changes and regulations for student loans.Education Department’s loan simulatorIf they want a second opinion, nonprofit credit counselors at organizations like the National Foundation for Credit Counseling can help walk borrowers through their options.
proposed revisions to their existing Revised Pay As You Earn Repayment Plan, one of four income-driven repayment plans offered. Borrowers who earn $15 per hour or less would qualify for a $0 monthly payment, under the amendments.
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