Q: I can't make my scheduled payments. What are my options?

Q: What is a graduated repayment plan?

Q: What is an income-sensitive repayment plan?

Q: What is a deferment, and how do I get one?

Q: What is a forbearance, and how do I get one?

Q: What happens to the interest on my loan while I am in deferment?

Q: What happens to the interest on my loan while I am in forbearance?
A: Interest accrues on your loan during forbearance and is capitalized (added to the unpaid principal balance of your loan). Generally, you will not receive statements requesting interest payments during this period. Even if your forbearance does not require interest payments, you can make payments to reduce the amount of accrued interest that will be capitalized.