Manage Student Loans | Repayment Assistance

Get help with repaying your loans

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

Loan Simulator

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

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 Mohela.com
To apply, complete the Employment Certification pdf

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

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

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

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