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If you were recently notified that your student loan account was placed into an administrative forbearance for the months of October through December 2023, and you would like to have any payment(s) you made during these months refunded to you, you have 90 calendar days from the date shown on your notification to contact us to request a refund.
Explore affordable repayment plans, including the new Saving on a Valuable Education (SAVE) Plan (formerly the REPAYE plan). To learn more about the SAVE plan and other student loan benefits, use the Loan Simulator Tool at StudentAid.gov.
In Spring 2024, you will see improvements to your experience in managing your federal student loans. Beginning March 11, 2024, we will release updates to the look and feel of our website and you will then need to visit us at our new web address, Edfinancial.StudentAid.gov. Additionally, our emails will now come from .gov email addresses.
As changes are made to our site, you may not be able to access your account information on Saturday, 3/9 at 11:30 pm – Sunday, 3/10 at 4:15 pm Eastern. Stay tuned for more updates.
A .gov website belongs to an official government organization in the United States.
A lock ( ) or https:// means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.
Federal Student Aid (FSA) is your federal loan provider. FSA uses
servicers (private companies) like Edfinancial Services to manage billing,
questions, and payments, and to help you enroll in the best repayment
plan for you.
Learn more about Federal Student Aid
See your repayment options with Loan Simulator
If you are struggling with your student loans, please fill out this form to get help from the Ombudsman’s Student Loan Assistance Unit.
State of Massachusetts - Ombudsman’s Student Loan Assistance Unit
The U.S. Department of Education (ED) has announced a plan for permanent improvements to the Public Service Loan Forgiveness (PSLF) program that includes a one-time payment count adjustment to bring borrowers closer to forgiveness!
ED currently expects that the adjustments to IDR and PSLF payment counts will be completed by July 1, 2024. This includes borrowers with FFELP loans who consolidate into the Direct Loan Program before April 30, 2024.
THERE’S IMPORTANT NEW INFORMATION ABOUT JOINT (SPOUSAL) CONSOLIDATION LOANS, TOO.
To learn more about the planned improvements, including any actions you may need to take to gain access to these benefits, visit StudentAid.gov/PublicService or StudentAid.gov/IDRadjustment.
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There are several payment options that are available. You can pay online, sign up for auto debit, call us, and more.
There are repayment plans that include loan forgiveness, and several reasons why a loan may be discharged.
Payments are not required while you are in school, but it is good to stay informed about your loan balance, interest accrual, and more.
After you graduate or fall below half time, your grace period of 6 months begins. Review available resources to help you get ready for repayment.
Now that you are paying back your student loans, be informed about your payment options, interest reduction benefits, and more.
Parent PLUS loans are taken out for a student, but are the parent's responsibility. Be informed about your payment options, and more.
Representatives are available Monday 8am - 9pm, Tuesday - Wednesday 8am - 8pm, Thursday - Friday 8am - 6pm Eastern Time
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