Click to learn about Fresh Start, a one-time temporary program from the Department of Education that offers special benefits to borrowers with defaulted federal student loans. Stay up to date on debt relief, and learn why Direct Loan Consolidation may benefit you. And remember, you never have to pay for help with your student loans.

Borrower Resources

Navigating student loans can be confusing. Here are some resources that may help.

Struggling to make loan payments?

If your loan is past due and hasn’t yet defaulted or you’re struggling to make loan payments, email us or call us at 800-236-2700 to discuss your repayment options and develop a repayment plan that works for you.

Has your loan defaulted?

If you’re trying to get your loan back in good standing, we can help guide you through your options.


Call our guarantor loan servicer at 866-348-0715, or log into your Default Loan Help account for information specific to your situation. It’s easy to create an account if you don’t have one.


Call our guarantor loan servicer at 800-366-3475.

Federal Student Aid Logo

Looking for more information about your loan?

Your Federal Student Aid account through the U.S. Department of Education is the best place to find information about your loan, such as its status or who your loan servicer is. (This is the company you send loan payments to.) It’s easy to create an account — you’ll just need your Social Security number and phone number or email address.

Go to Federal Student Aid

Wondering about loan forgiveness?

If you qualify for student loan forgiveness, you may not have to pay back part or all of your loan. There are many types of loan forgiveness, and they’re often dependent on your job or circumstances. Your loan servicer can help determine if you qualify for loan forgiveness.

Learn more about loan forgiveness