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Can't Make A Payment?

If you can't afford your student loan payments, we provide you with options that can help.

Options for Managing Your Payments

• Change your payment due date. Requesting a change to your due date can help ensure you have money in the bank when your monthly payment is due.
• Change your repayment plan. Our flexible repayment plans can help reduce your monthly payments or allow you to make interest only payments for a period of time.

What to Do if You Can't Make Any Payments

• See if a deferment or forbearance is right for you. Postponing your monthly payments through a deferment or forbearance may be the right choice to prevent your loan from entering default.

What to Do if You Have Already Missed Payments

• Find out how to prevent loan default. Take action today to prevent your loan from entering default and to protect your ability to obtain credit in the future.
• See if you qualify for loan rehabilitation. If your AES-guaranteed student loan has recently defaulted or is about to default, find out how to get back on track with our Default Loan Rehabilitation program.