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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
While you are in school and enrolled at least half-time, you don't have to make any student loan payments, and you can focus on your studies. It is important to work with your school's financial aid office and keep up with deadlines or other requirements.
If your loans have a standard, six-month grace period, your first payment will be due approximately six months after you graduate or drop to below half-time enrollment.
Helpful Tip
You are not required to make payments while in school, but if you can afford it, making even small payments can save you interest and lower the total cost of your loans.
Address change? New phone number? Newly married? Transferred to a different school? Edfinancial will need to know about any changes so that we can send you periodic updates detailing your outstanding balance, payment due dates, and any important information regarding your student loans.
If you decide to take a break from school or fall below half-time enrollment, any student loans that you have will enter their grace period, unless grace has been exhausted. If this is the case the loan(s) will enter repayment. Consider all of your options and talk with your academic advisor, financial aid counselor, and student loan servicer(s) to find out the effects of leaving school early.
Representatives are available Monday 8am - 9pm, Tuesday - Wednesday 8am - 8pm, Thursday - Friday 8am - 6pm Eastern Time
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