Unemployed? Underemployed? Need Relief?

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If you're unemployed, aren't earning enough, or simply not working as many hours as you need to, there are options to postpone or lower your student loan payments.

With a few clicks of the mouse, you can determine which option will work best for you, apply online, and start feeling the relief of a lighter student loan payment.

Unemployed or Working Less than 30 Hours a Week, and Actively Seeking Full-time Employment?

• To postpone your payments, request an unemployment deferment. It'll only take a few minutes to answer some questions and submit the request. We'll take it from there.

  APPLY NOW for an unemployment deferment. (Certain criteria apply.)

  If you don't yet have an online account, you'll be asked to create one first.

• To lower your monthly payment amount, see below.

Work 30+ Hours a Week, but aren't Making Enough Money and Want a Lower Monthly Payment?

• I want a quick solution. Try the Graduated repayment plan. It allows you to pay a little less each month now, and pay more each month later.
• I want a solution based on my income. Let our Wizard help you determine which income-based plan may work best for you and your loans. Depending on your situation, your monthly payment could be reduced down to $0.