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On July 18, 2024, a federal court issued a stay preventing the Department from operating the Saving on a Valuable Education (SAVE) Plan. The Department of Education is assessing the ruling and will be in touch directly with borrowers about how this will affect them. In the meantime, you can visit StudentAid.gov/saveaction for the latest information.
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Federal Student Aid (FSA) is your federal loan provider. FSA uses servicers (private companies) like Edfinancial Services to manage billing, questions, and payments, and to help you enroll in the best repayment plan for you.
Learn more about Federal Student Aid See your repayment options with Loan Simulator
If you are struggling with your student loans, please fill out this form to get help from the Ombudsman’s Student Loan Assistance Unit.
State of Massachusetts - Ombudsman’s Student Loan Assistance Unit (888) 830-6277
There are three general phases in the life of a federal student loan. Not all loans have a grace period, so it's important to be aware of all of your loan types and when the first payments are due. Understanding the life cycle of your loan will help you when making decisions about your student loans.
Representatives are available Monday 8am - 9pm, Tuesday - Wednesday 8am - 8pm, Thursday - Friday 8am - 6pm Eastern Time
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