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Repayment & Default Management


No payment of principal is required while the student is in school. On subsidized loans, the interest is paid by the federal government during this time. On unsubsidized loans, the student is responsible for all interest. Students begin repaying loans six months after they leave school,drop below half-time enrollment, or graduate. In addition:

  • A $50-per-month minimum payment is required unless the borrower makes other arrangements with the lender.
  • The payment amount must be at least equal to the monthly interest due on the loan.
  • The standard repayment term is generally 10 years.
  • Borrowers may choose a repayment plan suited to their needs. Lenders can provide details.
  • Loan borrowers may have their payments temporarily postponed under certain conditions (an option known as deferment). 

Having Trouble Making Payments??

There are several options available to a borrower who is struggling to repay their student loan.  The student may change their repayment plan, but they must contact their loan servicer to do so. To find out who your current loan servicer is and about the different repayment options, please view the following items:

Identify Who My Loan Servicer Is
Loan Servicer Contact Information
Different Repayment Plans

Under certain circumstances a student can receive a deferment or forbearance that allows you to temporarily postpone making loan repayments.

Deferment:  A deferment is a period in which repayment of the principal balance is temporarily postponed if you meet certain requirements. During a deferment, the government pays the interest on subsidized loans.  There are several deferment forms including: in-school deferment, unemployment deferment, economic hardship deferment, education related deferment, and military deferment.  Visit deferment forms to download the form.

Forbearance: If you do not meet the requirements for a deferment, a forbearance allows you to postpone or reduce your monthly payment amount for a limited and specific period if you are temporarily unable to make payment. However, you are responsible for paying the interest that accures during the forbearance on all loans, including subsidized loans.

Remember don't Default!!

Default Management

We selected Wright International Student Services (WISS) to heip with your student loan. You may contact WISS when you need assistance with any of the following:

  • Understanding your rights and responsibilities as a student loan borrower.
  • Finding out about repayment options.
  • Resolving repayment issues that you may encounter with your school, your loan holder, or others.
  • Learning about options you may have for returning to and financing higher education.

Visit Wright International Student Services website, or contact them at 1-800-257-4757.

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