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:: What If I Can't Make My Payments? ::

If you’re approaching the end of your grace period and have concerns about making your student loan payments, contact your loan servicer as soon as possible to discuss your options.

First consider a different repayment option, like graduated repayment, which allows you to make smaller payments when you start repaying your loan, and gradually increases the amount of your payment over time. If you can’t make a payment at all, you may want to consider deferment or forbearance.

Don't be afraid to discuss your inability to pay with your lender. They are usually willing to make other arrangements, but you have to get in contact with them, and explain your situation.