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hi everybody and welcome back to my channel today we are going to be talking about repay loans which is a student loan repayment plan offered by the government that you might be considering if youamp;#39;re trying to lower your monthly student loan payment iamp;#39;m melissa ford welcome to damsel of success where we talk about all things money please be sure to like and subscribe and hit the bell to be notified when i post a new video so letamp;#39;s talk about the repay loan first of all what iamp;#39;d like you to know about the repay loan is that this isnamp;#39;t a temporary program itamp;#39;s not like a deferment or a forbearance which you might pursue if youamp;#39;re having trouble paying your bills for a little while for a short period of time this is more of a long-term program this is also not a part of the loan rehabilitation program which is something that you might be going through temporarily to reinstate your loans if they got into a state of default thatamp;#3