Important Announcements

On Oct. 30, 2025, the U.S. Department of Education published final Public Service Loan Forgiveness (PSLF) program regulations that will be effective on July 1, 2026. We’ll provide updates when the regulations are implemented. For now, there are no impacts to borrowers, payment counts, or discharges. 

Visit StudentAid.gov/publicservice for more information about PSLF and current program requirements. 

For more information about employer eligibility, visit StudentAid.gov/pslf/employer-search. 

To apply for PSLF, use the PSLF Help Tool at StudentAid.gov/pslf. 

A federal court issued an injunction preventing the U.S. Department of Education from implementing the Saving on a Valuable Education (SAVE) Plan and parts of other income-driven repayment (IDR) plans.

Edfinancial Updates

SAVE: The U.S. Department of Education previously notified borrowers with loans in the SAVE forbearance that interest began accruing August 1, 2025. Visit StudentAid.gov/SAVE for details, including how to stay on track for Public Service Loan Forgiveness and Income Driven Repayment Forgiveness.

Payment Options

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

Learn More

Loan Forgiveness & Discharge

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

Learn More

  • 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.

  • 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.

  • In Repayment

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

  • 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.

Need help?

We Are Here For You

Representatives are available Monday 8am - 11pm, Tuesday - Friday 8am - 8pm, Saturday 10am - 2pm Eastern Time