Federal student loans: choose a repayment path
Check the loan type and current status in your Federal Student Aid account before relying on a payment estimate. Repayment programs and court orders can change.
Start with your own loan record
Federal loan details
Sign in to see your federal loans, servicer, status and repayment options. Federal Student Aid describes income-driven options and eligibility. Private loans are not the same program.
Compare plans before choosing
Use the official simulator
Run your loan and income details through Federal Student Aid’s Loan Simulator. Verify availability and any court-related notice there before applying; a static article cannot promise a current plan payment.
What to do next
For debt collectors on any debt, start with your state debt rules. This guide does not substitute for your federal loan record.
Sources and scope
Checked September 25, 2026. Federal baseline unless a state page below says otherwise. Read the current source and seek qualified help for your situation.