Find advice for your student loans
This page offers guidance using basic information about your student loans. Learn about your options and find a strategy that works for your situation.
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Prepare for changes in student loans this year
There are major changes—and opportunities—in federal student loans coming up in 2022.
- Until 10/31/2022, borrowers pursuing Public Service Loan Forgiveness can apply to get credit for payments that didn’t previously count. This means that if you’ve been denied before, you should apply again. Or, if you have never explored PSLF, now is the time to see if you could qualify. Get your personalized next step at studentaid.gov/pslf .
- Many borrowers will have their federal student loans transferred to a new servicer. If your loans are or were serviced by Navient , Granite State , or FedLoan , learn what servicer transfer means for you.
- Payments and interest on federally-held student loans are currently paused until August 31, 2022. Find out if your loans qualify and what steps to take if they don't.
Protect yourself from student loan scams
All these changes make a ripe environment for student loan scams. Despite what you may have heard, there is currently no mass student loan forgiveness. Find out about the existing student loan forgiveness programs here . If you are contacted about loan forgiveness, it may be a scam.
It may be a scam if someone you don't know:
- promises to reduce or eliminate your student loans
- requests your Federal Student Aid information
- pressures you to pay up-front fees
- claims to be affiliated with the Department of Education or your current student loan servicer
- claims to be part of a new program enacted by a president or other politician (like "Biden Loan Forgiveness")
Using the names of politicians in your online searches may lead to more scams in the search results, as scammers try to take advantage of confusing news. Studentaid.gov should be your trusted source for up-to-date student loan information.
If you are suspicious of a company contacting you, contact your current servicer. More tips on spotting scammers can be found on the CFPB's fraud and scams page.