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A federal court issued an injunction preventing the U.S. Department of Education from implementing parts of the Saving on a Valuable Education (SAVE) Plan and other IDR plans. The U.S. Department of Education is assessing the ruling and will continue to update StudentAid.gov/saveaction with more 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
As you determine the best way to finance your education, you should consider the full range of student financial aid options available to you. Private loans are often used to supplement federal student loans, when federal loans are not sufficient to cover the full cost of education.
Private student loans also offer students flexibility in choosing a school or participating in a specialized course of study when federal student loans aren't an option. You will need to work with your school to make informed decisions about which sources of funding are right for you.
Private student loans are for students (at the age of majority), parents of students, other guardians or credit-worthy related co-signers or "co-makers". While many alternative student loan programs require strict, non-negative credit and evidence of repayment capacity, individuals can sometimes borrow from $2,000 up to $15,000 and more per academic year based on cost of attendance minus other financial aid awarded. Interest rates for private student loans are generally variable student loan interest rates adjusted quarterly based on an index plus some percentage.
Representatives are available Monday 8am - 9pm, Tuesday - Wednesday 8am - 8pm, Thursday - Friday 8am - 6pm Eastern Time
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