Get Ready to Repay
It’s almost time! For more than three years, federal student loan repayment has been on hold. Starting in October 2023, payments will be due again.
We understand you may have questions, may feel nervous about affording your payments, and may need help managing your student loans. That’s what we’re here for.
Right now — before payments are due — is the best time to get ready. Where to start? Select the summary below that best describes your situation.
I’ve made payments before and I’m ready to start again
Do you think you’ll be financially comfortable restoring your student loan payments into your budget? Find out how to repay your loans as efficiently and cost-effectively as possible.
I’ve had difficulty managing my payments and need help
Do you feel uncertain about whether you can afford your monthly payment amount? Discover solutions to reduce or postpone payments and build your confidence.
I’ve never made a payment – walk me through the process
Is this your first time in student loan repayment? We’ll show you what to expect and give you the tools to start repayment on the right foot. Get informed and organized.
I’m looking for forgiveness or discharge options
Some borrowers are eligible to have all or a portion of their loans forgiven or discharged under certain conditions. Find out whether you may meet the criteria of one of these programs.
Frequently Asked Questions
In addition, check out our new End of Payment Pause section on Nelnet’s FAQs page. You can review Q&As about important upcoming dates, when to expect billing statements, how to sign up for auto debit and bill pay, and more.
Check out our Ready to Repay video series with tools and tips to prepare for repayment.
Quickly learn how to lower payments with the SAVE repayment plan, set up your online account, and make a payment. We'll add more videos as repayment nears!