Because of legislation passed by Congress, student loan payments have restarted, and borrowers' regular interest rates have resumed. Borrowers can lower their payments, even to $0, by enrolling in an income-driven repayment plan, including the new Saving on a Valuable Education (SAVE) Plan.

We'll continue to update this page with resources about student loan payments restarting. You can use these resources to communicate with students, parents, and borrowers about resources and programs to help them manage their loans and navigate the return to repayment.

Note: These resources are for your use in your messaging. Please do not point students, parents, or borrowers to this website for financial aid information. Instead, send them to StudentAid.gov/restart.

To help ensure borrowers can take full advantage of resources available from the Department of Education (ED), the Biden-Harris Administration launched a nationwide outreach campaign called "SAVE on Student Debt" in partnership with leading grassroots organizations. This public-private partnership builds upon the robust direct outreach underway from Federal Student Aid and loan servicers by leveraging strategic partnerships across public, private, and nonprofit sectors to support borrowers and ensure they take full advantage of the benefits provided by the new Saving on a Valuable Education (SAVE) Plan. This partnership is led by ED in collaboration with Civic Nation, the National Association for the Advancement of Colored People (NAACP), the National Urban League (NUL), Rise, the Student Debt Crisis Center, UnidosUS, and Young Invincibles.

We hope that you will join us in this outreach effort. If your organization is interested in participating, please sign up at SaveOnStudentDebt.org.

As part of the 5th Annual Federal Financial Aid Bootcamp, the U.S. Department of Education hosted "What To Know About Return to Repayment and the New SAVE Plan" on Wednesday, Oct. 25, from 6-7 p.m. Eastern time.

This webinar covered information on federal student loan repayment plans, such as the new Save Plan, and tools and resources to help borrowers understand their individual repayment options.

You can preview previous webinars, as well as other Federal Financial Aid Bootcamp events, on Eventbrite.

• Repayment Checklist for Borrowers* — This fact sheet highlights key information about how borrowers can prepare for student loan payments to begin again.

  Available in Spanish*

• SAVE Plan Fact Sheet* — This fact sheet provides information on the new income-driven repayment (IDR) plan, SAVE, and how borrowers can apply for an IDR plan.

  Available in Spanish*

• Sample Email Language for Borrowers Not in Default (August 2023)*—This sample email provides actions borrowers can take to prepare for repayment to restart.

• Sample Email Language for Borrowers in Default (August 2023)*—This sample email provides actions borrowers can take to get their student loans out of default.

• Sample SAVE Plan Email Language (August 2023)*—This sample email explains the new Saving on a Valuable Education (SAVE) Plan and its benefits.

• Sample Return to Repayment Social Media Posts*—These social media posts offer information about preparing for repayment to restart.

• Income-Driven Repayment (IDR) Plan Request Demo—This demo shows borrowers what they can expect when they apply for an IDR plan, including the new SAVE Plan, and the information they'll need to provide.

• Use Loan Simulator To Find the Right Repayment Plan for You—This video explains how borrowers can use Loan Simulator to choose a repayment plan that best meets their needs and goals.

• Repayment 101: Get Help With Your Federal Student Loans—This webinar will help borrowers understand their options for managing their federal student loans.

*The Department of Education strives to make all content accessible to everyone. While this document does not currently meet the standards of Section 508 of the Rehabilitation Act of 1973, as amended, Federal Student Aid is working to create an accessible version. If you need access to this content before the accessible version is available, please contact the Information Technology Accessibility Program Help Desk at Email ITAP Support to help facilitate.

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