Student loan guides

Start with your situation

• Lower my payment

  Start with federal repayment choices; use the separate private-loan path for private debt.

  • Federal student loan repayment options →
  • Income-driven repayment
  • Parent PLUS repayment
  • Payment calculators
  • Identify federal and private loans

• Explore forgiveness

  Start with an overview, or go directly to public-service forgiveness.

  • Student loan forgiveness options →
  • Public Service Loan Forgiveness (PSLF)

• Deal with default or collections

  Choose guidance that matches the notice: federal collections and private lawsuits are different paths.

  • Student loan default explained →
  • Federal wage garnishment
  • Tax refund offsets
  • Private student loan lawsuits

• Get help with private loans

  Explore relief and discharge, settlement, or a lender lawsuit.

  • Private student loan relief and discharge →
  • Student loan settlement
  • Private student loan lawsuits

• Understand student loan bankruptcy

  Read an overview of the process and questions to consider.

  • Can you file bankruptcy on student loans? →
  • Student loan settlement

• Not sure what loans I have

  Begin by distinguishing federal and private loans.

  • How to identify federal and private loans →

• Adversary Proceeding Student Loans in Bankruptcy: How to File →
• AES NCT on Credit Report: What It Means and What to Do →
• AES Student Loans: Repayment and Forgiveness Options →
• Aidvantage Student Loans: Repayment Help, Forgiveness & What to Know (2026) →
• How Alabama Nurses Can Qualify for Student Loan Forgiveness →
• Alaska Student Loan Forgiveness for Nurses Who Qualify →