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If you want to be placed on one of these plans, contact your loan servicer. When you leave school, you will be automatically enrolled in the Standard Repayment Plan unless you pick a different repayment plan. These loan types are eligible: Direct Subsidized and Unsubsidized Loans.
Contact the DFPIs Student Loan Ombudsperson, Celina Damian, at Celina.Damian@dfpi.ca.gov. Please include basic loan information, such as loan type, loan servicer, disbursement date, etc., with your inquiry.
In-school deferment is a temporary postponement of repayment of federal student loans that students can obtain while enrolled in college, and in some cases, for six additional months after they cease to be enrolled. It allows you to ease your financial burden while youre in school and to focus on your education.
Pay More than Your Minimum Payment Paying a little extra each month can reduce the interest you pay and reduce your total cost of your loan over time. Continue to make monthly payments even if youve satisfied future payments, and youll pay off your loan faster.
A deferment is a period during which you are entitled to postpone repayment of your loans. Interest is not generally charged to you during a deferment on your subsidized loans. Interest is always charged to you during a deferment on your unsubsidized loans.

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Contact your financial aid department or your servicer and ask them how to return the leftover amount. If you have private student loans, youll have to contact the lender directly and ask them how to give back the money.
Proactively informing your servicer can help avoid missing payments or making monthly payments you may not be able to afford. Pay special attention if you are leaving school before your expected graduation date or are returning to school after you have begun paying back your loans.
Stay in touch with your loan servicerespecially if you are struggling to make payments on your loans. Your loan servicer will explain your repayment options, such as applying for an income-driven repayment plan or a forbearance or deferment, to help you stay on track or get back on track when you fall behind.

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