Student Financial Services

Repaying Federal Direct Loans

Understand how to repay your direct subsidized, unsubsidized and PLUS Loans.

Where to Repay Your Loans

Direct Subsidized, Unsubsidized, and PLUS Loans are repaid to a federal loan servicer.

A servicer is the agency or organization responsible for billing, collection and management of loan repayment, and deferment/forbearance processing.

  • You will send loan payments directly to your servicer(s).
  • Your servicer(s) will send you information about your loans by mail and/or email.
    • Be sure to open and read it! It is your responsibility to notify your servicer(s) directly any time your phone number, email address, or mailing address information changes.

Find Your Loan Servicer

The Department of Education determines which agency will service your loans.

If you do not know which agency services your loans, visit the federal dashboard and scroll to "My Loan Servicers" section.

Repayment Plans

Direct Loans offer a variety of repayment plans designed to fit different needs and income levels. The amount you pay and the length of time to repay your loans will vary depending on the repayment plan you choose.
Use the federal Loan Simulator to get estimated monthly payment amounts for each repayment plan.