Student loan debt can feel overwhelming, but you’re not alone—and help is available. Whether you’re struggling to make payments, looking to lower your interest rates, or simply want to understand your options, these top resources can guide you toward financial relief and smarter repayment strategies.
1. Federal Student Aid (studentaid.gov)
This is the official U.S. government site for federal student loans. It provides comprehensive information on repayment plans, loan forgiveness programs, deferment, consolidation, and more. You can also manage your loans directly through your account.
2. Loan Servicers
If you have federal loans, your loan servicer (like Nelnet, MOHELA, or Aidvantage) is your first point of contact. They can help you explore income-driven repayment plans, request forbearance, or change your payment schedule based on your financial situation.
3. National Foundation for Credit Counseling (NFCC.org)
This nonprofit organization offers certified credit counselors who can provide personalized student loan advice and help you understand your financial options without upselling or hidden fees.
4. Student Loan Ombudsman Group
If you’re facing disputes with your loan servicer and can’t resolve them, the Federal Student Aid Ombudsman Group can step in to help resolve conflicts and clarify loan concerns.
5. The Institute of Student Loan Advisors (TISLA.org)
TISLA is a nonprofit offering free, unbiased advice on student loan repayment, forgiveness, and default recovery. Their website features easy-to-follow guides and tools.
6. Employer and State Programs
Some employers and state governments offer loan repayment assistance. Check with your HR department or your state’s higher education website to see if you qualify.
With the right support, student loan repayment becomes more manageable—and much less stressful. Don’t wait to ask for help.
