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Loan Repayment Information

​Recommended course of action for income-based repayment applications:

  • ​To complete the application you’ll need your Federal Student Aid (FSA) ID. If you are unfamiliar your FSA ID read the FAQs and visit the page to create or edit your ID.
  • You’ll also need to provide income information. Most people will do this by using the IRS Data Retrieval Tool as part of the online application process – it pulls the information from your annual tax return.  If your income has significantly changed since your last tax return, you will have to provide other documentation.
  • If you need assistance or have questions about how the repayment plans work, call the FSA Information Center at 1-800-433-3243.  
​2.  Call your loan servicer and explain your situation. Be sure to discuss with them any delinquent payments or if you paid less than the amount due.  You can find their contact information on your monthly statement or refer to this list of common servicers

3.  Consider placing a fraud alert or credit freeze on your file at each of the credit bureaus (Equifax, Experian, Innovis, and TransUnion).  You’ve given your personal information to a company that was involved in fraudulent activity and you don’t know if that information has been compromised. Learn about the warning signs of identity theft and steps you can take if you are a victim

4.  File a complaint against the fraudulent company with the Consumer Financial Protection Bureau.  

5.  ​If you are in a dispute with your loan servicer learn about resolving disputes and as a last resort contact the Federal Student Aid Ombudsman Group​.