Explore student loan options after financial aid

Review borrowing paths with rates, repayment flexibility, and borrower protections in mind.

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Before you continue

Common questions about student loans

Should I refinance federal loans?+

Be careful. Refinancing federal loans with a private lender permanently gives up income-driven repayment, federal forbearance, and forgiveness programs. For private loans there is far less to lose.

What is an income-driven repayment plan?+

A federal plan that caps your payment at a percentage of discretionary income and forgives the remaining balance after a set number of years. It applies to federal loans only.

Does a cosigner help?+

On private refinancing, usually a lot, especially early in a career. Ask whether the lender offers cosigner release later on.