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Step 1: Use your FSA ID to log into studentaid.gov.  

Step 2: Confirm your student loan servicer. 

• A full list of loan servicers for federal student loans can be found .

Step 3: Log into your student loan servicer account and update your contact information.  

• It is important to keep your contact information current on your servicer account so that they can reach you with important updates.  

Step 4: Reauthorize of select auto debit for monthly payments.  

Step 5: Review payment due date and amount. 

Step 6: Use tools on studentaid.gov and your servicer鈥檚 portal to ensure your repayment plan is the best fit.  

Step 1: Review your student loan servicer account.  

Step 2: Consider your repayment strategy and decide whether you need to change plans.  

Step 3: Research and confirm the best plan for you.

helps you calculate student loan payments and choose a loan repayment option that best meets your needs and goals.

IMPORTANT: Results of Loan Simulator are for informational purposes only and should not be considered financial advice. You are encouraged to review all available options and make decisions about borrowing and repayment that align with your individual goals.  

Apply for an income-driven repayment (IDR) plan, including the new .  

Step 4: Once you have selected your plan, make the change in your servicer portal or studentaid.gov.