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COVID-19 Student Loan Support Center

Last updated: Friday, September 18

President Trump has directed the Secretary of the U.S. Department of Education (ED) to continue to suspend loan payments, stop collections, and waive interest on ED-owned student loans through December 31, 2020. You do not need to take action if your loans are owned by ED. Visit for updates.


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九州体育平台Learn about repayment plan options and ways you may be able to lower your payment amount.

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九州体育平台It’s important for you to know that we’re monitoring the news and staying abreast of the changing developments with the coronavirus (COVID-19) emergency.

We assure you: The health and safety of our customers and employees are our top priorities.

Federal Student Aid’s coronavirus (COVID-19) information page is located at . The page includes information for students, borrowers, and parents about the 0% interest rate and administrative forbearance. These relief measures are available to student loan borrowers with federal student loans owned by ED. Please visit the page regularly for updates.

IF YOU ARE IMPACTED

If you’ve been impacted by the coronavirus (COVID-19) and are having difficulty making payments on your loans, we’re here to help you explore your options to reduce or postpone your payments.

We're doing our best to ensure our call centers are sufficiently staffed – like most of the country, the majority of our representatives are now working from home offices. We ask for your understanding if you hear a dog barking or other background sounds. You can always access your account 24/7九州体育平台 on our website or our automated voice response system.

You can make a payment or learn about different repayment options for federal student loans online. Just log in to your account and go to Repayment Options九州体育平台 in the left menu.

Learn more about repayment options for federal and private student loans.

Log in to your account to:

  • View payments due and recent payment status
  • Make a payment or enroll in Auto Pay
  • Upload documents and get documents we sent you
  • Get answers in the Help Center, or email us with a question

For federal student loans, you can also:

  • Apply for a different repayment plan option
  • Apply for an income-driven repayment (IDR) plan
  • Request a deferment or forbearance to postpone payments

Watch a helpful video about the CARES Act

See what to expect as you resume repayment

FREQUENTLY ASKED QUESTIONS – ED LOANS

九州体育平台COVID-19 relief has been extended through December 31, 2020 for all Direct Loans and FFEL program loans owned by ED per the Presidential Memorandum issued on August 8, 2020.

SUPPORT FOR FFELP LOAN BORROWERS

Federal Family Education Loan Program (or FFELP) loans were originally made by banks and other financial institutions under a federally guaranteed program. Some FFELP loans were later transferred to the U.S. Department of Education, and those particular loans are now government owned. The relief programs available may differ based on whether the loan is owned by the government or by a financial institution, such as Navient.

Short-term coronavirus forbearance (beginning July 1, 2020)

We understand that COVID-19 continues to affect many people’s lives. We’ve created a short-term option for borrowers who contact us for relief on or after July 1, 2020. For a limited period of time, Navient is offering a short-term coronavirus forbearance to qualified FFELP borrowers who request it. This program brings your eligible loans current and postpones payments for at least one full month. The short-term forbearance will not count against your hardship forbearance time. During this time, you will not be responsible for making payments but interest will continue to accrue. At the end of the short-term forbearance, unpaid interest will not be capitalized (added to your unpaid principal). Your Monthly Payment Amount may increase after the forbearance ends to ensure your loans will be paid off within your repayment term.

Coronavirus national emergency forbearance (program discontinued as of June 30, 2020)

九州体育平台In response to the national emergency declared by the President in March 2020, Navient offered up to three months of administrative forbearance to qualified FFELP borrowers who made their request no later than June 30, 2020. This program brings your eligible loans current and postpones payments for up to three months. During this time, you will not be responsible for making payments but please know interest will continue to accrue. At the end of this forbearance, unpaid interest will not be capitalized (added to your unpaid principal).

In light of the reopening of the U.S. economy and the resumption of normal business activities that have already begun in many states and industries, this program is no longer offered as of June 30, 2020. Additional short-term and long-term relief is available to assist borrowers who experience difficulty due to the COVID-19 pandemic and its effects on the economy.

Other programs that may assist you

Some of the other options that may help FFELP borrowers include:

  • Income-Driven Repayment (IDR) – allows qualified borrowers to base their monthly payment on their income and family size, subject to annual recertification. If you are already enrolled in IDR and your income has recently fallen, you can have your payment recalculated based on your new income.
  • Unemployment Deferment – if you become unemployed, you may be eligible to defer all payments for six months, in some cases with interest subsidies.
  • Consolidation – if you consolidate your FFELP loans not owned by ED into a Direct Consolidation Loan, the loan will become a Direct Loan and be eligible for 0% interest and postponed payments until December 31, 2020. To learn more about the pros and cons of consolidating some or all of your loans, visit .
  • Other deferments, forbearances, and repayment plans based on your income or personal circumstances.

SUPPORT FOR PRIVATE LOAN BORROWERS

Assistance is available for qualified private loan borrowers who are experiencing difficulty due to coronavirus and related economic impacts.

Be sure to contact us at 888-272-5543 so we can help you understand options that can fit your situation.

九州体育平台Here are some of the options available on private loans:

Short-term coronavirus forbearance (beginning July 1, 2020)

九州体育平台We understand that COVID-19 continues to affect many people’s lives. We’ve created a short-term option for borrowers who contact us for relief on or after July 1, 2020. For a limited period of time, Navient is offering a short-term coronavirus forbearance to qualified private borrowers who request it. This program brings your eligible loans current and postpones payments for at least one full month. The short-term forbearance will not count against your hardship forbearance time. During this time, you will not be responsible for making payments, but interest will continue to accrue. At the end of the short-term forbearance, unpaid interest will not be capitalized (added to your unpaid principal). Your Monthly Payment Amount may increase after the forbearance ends to ensure your loans will be paid off within your repayment term.

Coronavirus national emergency forbearance (program discontinued as of June 30, 2020)

In response to the national emergency declared by the President in March 2020, Navient offered up to three months of administrative forbearance to qualified private loan borrowers who made their request no later than June 30, 2020. This program brings your eligible loans current and postpones payments for up to three months. During this time, interest accrues but will not be capitalized (added to the unpaid principal) at the end of the forbearance period. (Please note if the accrued interest is not paid and you use a different type of forbearance or deferment in the future, the interest could be capitalized at that future time.) While no payments are required during the forbearance period, you can always make extra payments to help lower the overall cost of your loan.

In light of the reopening of the U.S. economy and the resumption of normal business activities that have already begun in many states and industries, this program is no longer offered as of June 30, 2020. Additional short-term and long-term relief is available to assist borrowers who experience difficulty due to the COVID-19 pandemic and its effects on the economy.

Other programs that may assist you

  • Rate Reduction Program—Navient offers a temporary Rate Reduction Program that reduces the interest rate and lowers the Monthly Payment Amount.
  • Other programs may also be available such as Interest-Only or Extended Repayment.

Learn more about repayment options九州体育平台 for private student loans.

Please note that these options may require a review of the borrower's and any cosigner's financial situation and ability to pay.

Our Commitment

九州体育平台Keeping our commitment to serve you during this unfolding situation is our focus.

Please visit this page for additional updates.

For our business clients: Learn how we're supporting you and your consumers during the COVID-19 crisis.

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