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Resources & Tools

5 Tips To Avoid Student Loan Default

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Paying off student loans can be daunting for recent college graduates. It is important to try to avoid defaulting on student loans, as it can badly damage a consumer’s credit score.

ACCC offers 5 tips to avoid defaulting on student loans.

  1. Communicate with your lender
    If you have financial issues, be upfront with your lender. They may be able to give you other options.
  2. Ask about payment plans
    There are several different payment plan options. Ask your lender about them.
  3. Investigate payment postponement options
    If you have a private loan, you can request a forbearance, which postpones payments up to a year if you cannot pay right away.
  4. Research loan cancellation and forgiveness
    Loan forgiveness varies through federal or state-sponsored programs. Research your options.
  5. Dig out of default
    If you already defaulted, call your lender to talk about rehabilitation programs or a customized payment plan.

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