Student Loan Repayment Support

Federal student loan repayments restarted in October 2023. Are you feeling overwhelmed or unsure about how to manage the repayment process? We can help!

To Do Now

There are a few things that you need to do right away to make sure that you're getting those loan payments started on time.

  • 1Log into your student loan account
    Your loan servicer may have changed. Go to to find out how to access your student loan information ASAP.
  • 2Confirm what you owe
    It’s been a while since you’ve made payments, so now is a good time to refresh your memory on your outstanding balance.
  • 3Choose your own repayment plan
    There is no cost to change repayment plans. Explore your student loan repayment options and choose the one that will fit best for you.

Going Forward 

After you've taken care of the basics, it's time to review your financial situation and make a plan for the future.

Research your options.

Look into more favorable interest rates by refinancing or consolidating your existing loans. Plus, having only one payment helps you stay on track and avoid missed payments and late fees. 

Loan Options


Evaluate your budget.

Now that you're paying on your student loans again, look at your budget and adjust where necessary to make room for these new payments. UWCU can help with credit consultations to plan for your future.

Credit Consultations


Stay informed.

The Biden-Harris Administration continues to pursue different options for debt forgiveness, so be alert to any changes as they happen. The U.S. Department of Education’s website is a great place to check in.

Federal Aid Info

More Resources

Frequently Asked Questions


When do payments start?
How do I know who my federal loan servicer is?
How do I know how much I owe?
What types of repayment plans are there?
What is the difference between consolidation and refinancing?
How do interest rates work?
What happens to my loans if I go back to school?
What if I don’t think I’ll be able to make my payments?

Get in Touch

Our Educational Lending Specialists take the time to explain your financial picture and help you determine the right option for your situation, even advising you when it’s better not to refinance.

Phone Number

(800) 533-6773- ext. 2950

You can do this.
You can manage your finances and figure out the best way to fit student loan repayments back into your life. We’re here to help.