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Most Asked Questions

Most Asked Questions

QuestionI can't afford my full payment amount. What are my options? Answer

To explore options that fit your situation sign in to Account Access. Some options include:

  • Changing your payment plan
  • Postponing payments with a deferment or forbearance
  • Changing your payment due date
QuestionAm I eligible for a deferment or forbearance? Answer

To find out if there is a deferment or forbearance option that fits your situation, you may take our Eligibility Quiz while logged into Account Access.

The quiz provides the deferment and forbearance options for which you may be eligible based on your circumstances.

QuestionCan I change my due date? Answer

If You Would Like to Change Your Due Date, You Must:

  • Be in repayment
  • Make your first scheduled payment
  • Be current on your monthly payments
  • Request a date between the 1st and 28th of the month
  • Have eligible loan types (some private student loans may not be eligible

If You Change Your Due Date:

  • It may take up to 2 billing cycles to reflect your due date change.
  • It may result in two payments being due within 1 billing cycle (30 days).
  • Any loan that is in a paid ahead status will be removed from that status, and the next monthly bill will require you to pay the full installment amount.

Sign in to Account Access to change your due date.

QuestionShould I pay for assistance with my federal student loans? Answer

You don't have to pay for assistance with your federal student loans your servicer provides assistance for free!

There are companies misrepresenting the facts about themselves to get your business and your money. Be aware of the warning signs that a company may not have your best interest in mind. Be cautious of companies that:

  • Provide a disclaimer that they are a "private company not affiliated with the U.S. Department of Education (the Department) or the Federal Government".
  • Claim to be associated with the Department or AES, but do not have your loan details readily available in their system.
  • Request a fee before they will assist you with your loans and ask you to provide them your credit card information or debit card information.
  • Use taglines such as "New Laws Forgiving Federal Student Loans" and "Get Rid of Student Loan Debt!" and urge you to act quickly because the loan forgiveness program is ending soon and you will forfeit your rights to the benefits.
  • Ask you to sign over power of attorney or other third-party authorization so they can make changes to your account.
  • Request you do not contact your servicer while they are working on your behalf.
  • Promise to cancel your student loan debt, lower your monthly payment immediately, or provide instant relief from wage garnishment or default.
  • Ask you to send your student loan payments to them instead of your loan servicer.
  • Ask you to provide your logon credentials (user ID and password) to access your account online.
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