Repaying Federal Direct Student Loans

Beware of Student Loan Debt Relief Scams

Many third party "debt relief" companies offer fee-based services such as loan counseling, consolidation, and helping borrowers choose the right repayment plan. These companies are not representatives of the Department of Education or Harvard University. Federal loan servicers are available to assist and will never charge a fee. There are several repayment plans to choose from, and options to keep your loans in good standing even if you're struggling to make the monthly payments. If you need help choosing a repayment plan, are in repayment and have questions, or are having trouble making payments, start here

Your Federal Loans

How much do you owe? Who do you pay? Log into My Federal Student Aid to find out.

Already know how much you owe but want to see the monthly payments for the different repayment plans? Use this Repayment Estimator.

How to Manage Your Student Loans