Federal Loan Repayment


The accrued interest for subsidized loans is paid by the government while you’re in school and during other approved times of non-payment. If your loan is unsubsidized, you’re responsible for the interest immediately. Federal loans are funded by the federal government and come with benefits like reduced monthly payments and deferment. Private loans are issued by banks or similar institutions and can help bridge financial gaps not covered by federal loans. Private loans are paid back to the lender, whereas federal loans are paid back to the loan servicer.


One of the organizations listed below services your federal student loans on behalf of the Department of Education. Federal loan servicers provide customer service for your loans, meaning they will:

  • Answer your questions
  • Discuss your payment options
  • Process your payments
  • Process Loan Deferments & Forbearances

To find your loan servicer, visit studentaid.gov and log in with your FSA ID or contact the Office of Student Financial Success. Find Loan Servicer


ALERT: If your loans were previously assigned to FedLoan Servicing, Granite State, or Navient your loans will be transferred to another servicer.


Creating an online account with your loan servicer makes managing your account simple and convenient. Make payments, check your balance, change your payment plan, and more from your computer or mobile device. Sign up for auto-debit payments and get 0.25% reduced from your interest rate!

PICK YOUR REPAYMENT PLAN There are many repayment plan options available for your federal student loans. You can select your initial repayment plan and get an estimate of what your monthly payments will be by completing Exit Counseling online at studentaid.gov. Time Driven Plans Standard Extended Graduated Extended Graduated   Income Driven Plans Pay As You Earn (PAYE) Revised Pay As You Earn (REPAYE) Income-Based Income-Contingent

LOAN FORGIVENESS Considering a career in education or public service? Visit studentaid.gov to see if you could qualify for Public Service Loan Forgiveness or teacher loan forgiveness. Loan Forgiveness Options

KEEP IN TOUCH Understanding your student loans and how they work can often feel intimidating or confusing, but it doesn’t need to be. The Office of Student Financial Success, along with your loan servicer, are here to help you navigate the process.

Please reach out with questions or concerns.