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Resources To Prepare for Student Loan Payments To Restart
Student Loan Payments Have Restarted
Because of legislation passed by Congress, student loan payments have restarted, and borrowers' regular interest rates have resumed. Borrowers can lower their payments, even to $0, by enrolling in an income-driven repayment plan.
We'll continue to update this page with resources about student loan payments restarting. You can use these resources to communicate with students, parents, and borrowers about resources and programs to help them manage their loans and navigate the return to repayment.
Note: These resources are for your use in your messaging. Please do not point students, parents, or borrowers to this website for financial aid information. Instead, send them to StudentAid.gov/restart.
Resources for Reference and Outreach
Below you'll find resources you can use for learning about repayment and communicating with borrowers.
-
Student Loan Repayment Checklist—This fact sheet highlights key information about how borrowers can prepare for student loan payments.
Note: Visit "Restarting Student Loan Payments" for Spanish language content.
- Sample Return to Repayment Social Media Posts—These social media posts offer information about preparing for repayment to restart.
- Income-Driven Repayment (IDR) Plan Request Demo—This demo shows borrowers what they can expect when they apply for an IDR plan and the information they'll need to provide.
Sample Emails
- Sample Email for Borrowers in Default (August 2023)*—This sample email provides actions borrowers can take to get their student loans out of default.
- Billing Statement Sample Email (September 2023)*—This sample email offers information about billing statements and ways borrowers can stay on track with payments.
- Student Loan Refresher Sample Email (September 2023)*—This sample email provides answers to frequently asked questions and resources to help with repayment.
- IDR and Temporary Relief Sample Email (October 2023)*—This sample email provides resources to help borrowers manage their loans and choose the repayment plan that works best for them.
Videos and Webinars
- Use Loan Simulator To Find the Right Repayment Plan for You—This video explains how borrowers can use Loan Simulator to choose a repayment plan that best meets their needs and goals.
- Repayment 101: Get Help With Your Federal Student Loans—This webinar will help borrowers understand their options for managing their federal student loans.
*The Department of Education strives to make all content accessible to everyone. While this document does not currently meet the standards of Section 508 of the Rehabilitation Act of 1973, as amended, Federal Student Aid is working to create accessible versions. For immediate assistance on receiving a 508 compliant document, please send us a written request including the title of the document, date of the request, and your email address to:
Federal Student Aid Information Center
P.O. Box 84
Washington, DC 20044
Helpful Resources for Borrowers
- How to Avoid Student Aid Forgiveness Scams
- Become a Public Service Loan Forgiveness (PSLF) Help Tool Ninja
- Tackling the Public Service Loan Forgiveness Form: Employer Tips
- Student Loan Forgiveness (and Other Ways the Government Can Help You Repay Your Loans)
- 5 Things to Know Before Consolidating Federal Student Loans
- What to Know About Federal Family Education Loan (FFEL) Program Loans
- 3 Ways to Qualify for Total and Permanent Disability (TPD) Discharge
January 16, 2025