: For those in public service, this tool auto-generates Public Service Loan Forgiveness (PSLF) forms to certify employment and track qualifying payments. Repayment & Forgiveness Options
: Interest accrues from the moment the loan is disbursed. gov student loans
Government student loans offer several key features designed to make higher education more accessible and repayment more manageable. As of April 2026, many central management features are accessible directly through the official StudentAid.gov website . : For those in public service, this tool
: Unlike many private loans, federal loan interest rates are fixed for the life of the loan, meaning your rate won't increase even if market rates go up. Subsidized vs. Unsubsidized : As of April 2026, many central management features
: This educational feature helps borrowers track how much they currently owe and their progress toward aggregate loan limits.
: This interactive tool allows you to simulate borrowing more money to see how it impacts your future payments, or compare various repayment plans to find one that fits your budget.
Additional StudentAid.gov Website Features Starting April 2020