Direct Subsidized, Unsubsidized & PLUS Loans
Where Do I Repay My Loans?
Direct Subsidized, Unsubsidized, and PLUS Loans are repaid to a federal loan servicer.
A servicer is the agency or organization responsible for billing, collection and management of loan repayment, and deferment/forbearance processing. You will send loan payments directly to your servicer(s).Your servicer(s) will send you information about your loans by mail and/or email - Be sure to open and read it! It is your responsibility to notify your servicer(s) directly any time your phone number, email address, or mailing address information changes.
The Department of Education determines which agency will service your loans. If you do not know which agency services your loans, visit the federal dashboard (scroll to "My Loan Servicers" section) or visit the Student Aid Government website for contact how to locate your servicer.
Direct Loans offer a variety of repayment plans designed to fit different needs and income levels. The amount you pay and the length of time to repay your loans will vary depending on the repayment plan you choose. Use the federal Loan Simulator to get estimated monthly payment amounts for each repayment plan.