When you enter repayment, you take on the responsibility of repaying the loans that have helped to finance your education. Timely repayment helps establish a positive credit record that can help when you apply for a car or home loan. Inconsistent repayment can damage credit records and may make it difficult and more costly to secure financing for important purchases.

Understand borrower and lender obligations.

Study up on repayment plans for borrowers.

Repay responsibly. Read about deferment, forbearance and default.

Help for borrowers with repayment troubles.