Things That Student Loan Borrowers Should Do Before January

New programs forgive millions of student loans. However, many debtors whose loans won't be totally forgiven will have to start repaying their sums in a few weeks.

Student loan borrowers should act quickly to maximize loan forgiveness and prepare to repay their loans. Here are some options.

Borrowers should take the time now to see if they might be eligible and find out what, if any, steps they need to take to get the benefits.

Review Student Loan Forgiveness Programs

To find out who manages federal student loans, borrowers should click into

Find out if the service provider that handles your student loan has changed

Missing student loan repayment or forgiveness correspondence could be disastrous.

Update Your Contact Info With Your Student Loan Servicer

The Education Department's Fresh Start initiative will help many federal student loan borrowers get out of arrears.

Use Fresh Start to Repay Student Loans

To update PSLF qualifying payment counts, borrowers must submit new employer-signed certification forms.

Certify Your Employment For Public Service Loan Forgiveness (PSLF)

When payments restart in January 2021, income-driven repayment (IDR) borrowers should revert to their plan and payment amount

Income-Driven Repayment (IDR) Borrowers Should Plan Repayment

The Department of Education Repayment Simulator predicts monthly payments for all repayment programs.

Evaluate Student Loan Repayment Plans