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IMPORTANT ANNOUNCEMENTS

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A federal court issued an injunction preventing the U.S. Department of Education
from implementing parts of the Saving on a Valuable Education (SAVE) Plan and
other IDR plans, including – for example – SAVE’s monthly payment formula and
loan forgiveness under SAVE, PAYE, and ICR plans. Please check
StudentAid.gov/saveaction for more information.

Borrowers can now apply for income-driven repayment (IDR) plans electronically
rather than needing to upload an application to our website. Please visit
StudentAid.gov/IDR to submit your application. If you already submitted an
application through our portal you do not need to apply again.




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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

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WORK IN PUBLIC SERVICE? ACT NOW!!

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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PAYMENT OPTIONS

There are several payment options that are available. You can pay online, sign
up for auto debit, call us, and more.

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LOAN FORGIVENESS & DISCHARGE

There are repayment plans that include loan forgiveness, and several reasons why
a loan may be discharged.

Learn More  
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   IN SCHOOL
   
   Payments are not required while you are in school, but it is good to stay
   informed about your loan balance, interest accrual, and more.

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   IN GRACE
   
   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.

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   IN REPAYMENT
   
   Now that you are paying back your student loans, be informed about your
   payment options, interest reduction benefits, and more.

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   PARENT BORROWER
   
   Parent PLUS loans are taken out for a student, but are the parent’s
   responsibility. Be informed about your payment options, and more.

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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  
© Copyright 2024 Edfinancial Services. All Rights Reserved. NMLS Company ID:
1509247; NMLS Branch IDs: 1911329, 2417182, 2469857, NMLS Consumer Access  
 * Notices
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 * USA.gov  
 * State Ombudsman  

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