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Explore affordable repayment plans, including the new Saving on a Valuable Education (SAVE) Plan (formerly the REPAYE plan). To learn more about the SAVE plan and other student loan benefits, use the Loan Simulator Tool at StudentAid.gov.
In Spring 2024, you will see improvements to your experience in managing your federal student loans. Beginning March 11, 2024, we will release updates to the look and feel of our website and you will then need to visit us at our new web address, Edfinancial.StudentAid.gov. Additionally, our emails will now come from .gov email addresses.
A .gov website belongs to an official government organization in the United States.
A lock ( ) or https:// means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.
Federal Student Aid (FSA) is your federal loan provider. FSA uses servicers (private companies) like Edfinancial Services to manage billing, questions, and payments, and to help you enroll in the best repayment plan for you.
Learn more about Federal Student Aid See your repayment options with Loan Simulator
If you are struggling with your student loans, please fill out this form to get help from the Ombudsman’s Student Loan Assistance Unit.
State of Massachusetts - Ombudsman’s Student Loan Assistance Unit (888) 830-6277
A grace period is the time in between graduation (or a drop below half-time enrollment) and the time your first payment is due. This six-month period of time allows you to adjust to life after college and find employment. You are not required to make payments during this time, but if you can afford it, making even small payments can save you interest and lower the total cost of your loans.
After you leave school, it’s important to understand how your student loan payment can affect your finances so choosing the repayment plan that works best for you should be a top priority. You will have the option to explore repayment plans and choose the plan that best suits your needs when you complete loan exit counseling, but feel free to contact us at 855-337-6884 and one of our friendly customer service representatives will help you find the right plan.
Important
You can always call your student loan servicer to inquire about available repayment options including the ones that may reduce your monthly payments considerably based on your income. You don't have to pay someone for this assistance.
You may view your loan information and make payments online through your online account. You must first register as a new user and log in to your online account to access your information.
After selecting a repayment plan, you will be able to view your repayment schedule in your online account. This repayment schedule will provide important details about repayment, such as: your due date, monthly payment amount, and amount of interest to be repaid.
In addition to viewing your repayment schedule, your online account will allow you to make a payment, view your loan details, update your demographics, explore repayment options, and much more.
You can sign up for electronic correspondence in your online account by updating your "Email Permissions" under your "Account Profile". Once you read and agree to the Terms and Conditions, you will begin receiving your correspondence electronically! We will send courtesy emails to the email address on file for your account to alert you when there are new statements and other important correspondence regarding your account.
Representatives are available Monday 8am - 9pm, Tuesday - Wednesday 8am - 8pm, Thursday - Friday 8am - 6pm Eastern Time
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