Loan Repayment and Direct Loan Exit Counseling

Have you recently graduated or dropped below 6 credits? If so, you may be entering the repayment phase of your student loans. Stay informed using the resources and links below.

Direct Loan Exit Counseling

Exit counseling is required whenever a borrower leaves school, graduates or drops below half-time enrollment.

To complete exit counseling please go to

Description of Repayment


There are several repayment plans: standard, extended, graduated, and income contingent. How much you pay and how long you take to repay your loans will vary depending on the repayment plan you choose. Consolidation loans also have varying repayment plans. Use the links below to determine your repayment amounts under each of the different plans. Effective July 1, 2009, there is now a new repayment plan: income-based repayment.

Standard, extended, and graduated repayment plan calculator

Income contingent repayment plan calculator

Income-based repayment plan calculator

Direct consolidation loan calculator

Loan Consolidation

Loan Consolidation Information

Contact Loan Servicer

For information on repayment, servicer contact information, and where to send payments go to