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Estimate Loan Repayment
See how much you owe, and current interest rates, as of today (log in required)
Estimate your repayment using
Standard
repayment plan
Estimate your repayment using
Graduated
repayment plan
Estimate your repayment using
Pay As You Earn
repayment plan (MOST POPULAR)
Estimate your repayment using
Income Based Repayment (IBR)
repayment plan
Estimate your repayment using
Income Contingent Repayment (ICR)
repayment plan
FACT: Financial Awareness Counseling Tool
See how much you owe, as of today (log in required)
Manage Your spending while in school
Estimate what you will owe, spend, and earn
How being delinquent on a loan may affect many areas of your life
A look at your estimated income and taxes
Federal Direct Consolidation Loan Application
The #1 recommended repayment option for borrowers
Combine all federal loans with one lender, the U.S. Department of Education
For students with
high debt and/or low income
reduce payments to as little as
$0 per month
via the
Income Based Repayment Plan
There is
no minimum
amount required to apply,
no fees
, and no strings attached
To see how loan consolidation can help prior to applying, try out the
Loan Consolidation Calculator
Federal Direct Loan Forgiveness for Teachers
Currently available only for
teachers
Five years of service required
Up to $17,500 in loans may be forgiven
Federal Direct Loan Forgiveness for Public Service
Created by Congress to encourage individuals to enter and continue to work full-time in public service jobs
Save thousands of dollars by working for a government or nonprofit organization
Qualify for forgiveness of any remaining balance on your eligible federal student loans
Review the requirements of the Public Service Loan Forgiveness (PSLF) Program at
MyFedLoan.org/PSLF
To apply, complete an
Enrollment Certification
form
Federal Direct Loan Forgiveness for Selected Government Jobs
Certain federal agencies will repay students loans as a recruitment or retention incentive for candidates or current employees
Up to $10,000 per year, up to a maximum of $60,000 per employee, may be forgiven
View the linked report to congress for a listing of federal agencies that participate in this program
Federal Nursing Education Loan Repayment
Offers
loan repayment assistance
to
registered nurses and advanced practice registered nurses
, such as nurse practitioners
Requires working full-time in a critical shortage facility OR nurse faculty at an accredited school of nursing
Federal Perkins Loan Forgiveness
Perkins loans, if received, can be 100% forgiven for working in selected fields
Current eligible fields: teaching, volunteer work (AmeriCorps, Peace Corps, VISTA), military service, and legal or medical studies
Harding contact for more information: Harding University Business Office, businessoffice@harding.edu, phone: 501-279-4654
National Student Loan Data System
Can't find your loans?
Find contact information for all your federal student loans
Lists all of your federal student loans and details of each loan
Check loan status and amounts borrowed
Private Loan Consolidation
Simplify repayment by combining multiple private loans into a single loan
A co-signer may be required
Private loan consolidation is NOT a federal program, so proceed cautiously
Always compare lenders and make an informed decision
TEACH Grant Service Requirements
Stay in contact with your TEACH grant servicer
Complete Agreement to Serve annually and provide employment documentation
Inform grant servicer if you do not intend to complete Agreement to Serve
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