Student loans: where to start

Student loans work differently from other debt. Federal loans have repayment options that private loans usually don't, and the rules change, so official sources matter.

First steps

• Log in to StudentAid.gov to see your federal loans and servicer
• Find out which loans are federal and which are private
• Check the repayment plans available for your federal loans, including income-driven options
• If you're struggling, ask your servicer about deferment or forbearance, and their costs

Avoid scams

You never need to pay a company to apply for federal repayment plans or forgiveness. Those applications are free through StudentAid.gov and your servicer.

General information. Student loan rules change; check StudentAid.gov. Nickel Keepers isn't paid by any lender, card company or debt relief company.