Repay Your Federal Direct Loans

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.

  • There are several agencies that service federal loans. The Department of Education determines which agency will service your loans.
  • If you do not know which agency services your loans, visit NSLDS to view your loan details and obtain your loan servicer contact information.
  • Once you identify your loan servicer, you can set up online account access, select your chosen repayment plan, set up automatic payments, and more.
  • Learn more about federal loan servicers and view their contact information.

Repayment Plans

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. 

  • Standard: Fixed monthly payments of at least $50 over a max 10 yr period.
  • Extended: Fixed monthly payments of at least $50 over a period of 12 to 30 years. 
  • Graduated: Monthly payments increase every two years over a period of 12 to 30 years. Must have more than $30,000 outstanding to qualify. 
  • Income-driven: There are several plans that are based on your annual income. The amount is recalculated annually and income documentation must be provided to your federal loan servicer every year.

Use the federal Repayment Estimator to get estimated monthly payment amounts for each repayment plan. 

Tips & Resources

FSA Repayment Estimator

FSA Income Drive Repayment Plans Fact Sheet

Direct Loan Repayment Plans Chart

Financial Awareness Counseling @ StudentLoans.gov

Repayment Calculators @ StudentAid.ed.gov

Calculators @ FinAid.org