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Having Trouble Making Your Student Loan Payments?

If you're facing financial difficulty, you may have options to reduce or postpone your payments. The availability of these options depends on your loan type and the specific policies of your lender or school.

Disclaimer: For private student loans, eligibility for repayment plans, deferment, forbearance, or forgiveness is determined solely by your lender or school. Not all options listed below may be available to you. Please contact UAS by either logging in to the online portal https://www.uasconnect.com, or call us at (844) 870-8701 to understand your specific options.

Loan Forgiveness, Cancellation, or Repayment Options

You may qualify for assistance under programs such as:

• Student Loan Forgiveness or Cancellation
• Income-Driven or Graduated Repayment Plans
• Public Service or Profession-Based Forgiveness Programs

Common Reasons for Loan Forgiveness or Cancellation

• Borrower Defense to Repayment
• Closed School Discharge
• Death (including the student of a Parent PLUS Loan)
• False Certification of Loan Eligibility
• Teacher Forgiveness (Low-Income Schools or Educational Service Agencies)
• Total and Permanent Disability
• Public Service Employment (e.g., government, nonprofit, healthcare, education, or law enforcement sectors)

Postponement Options

Deferment

Deferment allows you to temporarily stop or reduce your loan payments.

Note: Interest may still accrue during deferment. It’s important to check whether you are responsible for paying that interest, as it can increase your total loan balance and may affect eligibility for forgiveness programs.

Forbearance

Forbearance provides a temporary postponement of payments, generally used as a last resort. During forbearance, interest may continue to accrue and is your responsibility.

Changing Your Payment Due Date

(Availability varies by lender and loan type)

If your loan payment is due before your payday, or you would like to move the payment due date to another date, you may be able to move your due date to a more convenient time of the month.

Flexible Repayment Options

We understand that financial situations can change, and you may need a more manageable payment for a period of time. Depending on your loan type, lender or school’s policies, you may be eligible for a temporary alternative repayment arrangement that better fits your current budget.

Note: Repayment options for private student loans vary by lender or school and may not be available in all cases. Contact us to review what’s available for your loan.

What Is an Alternative Repayment Option?

This option may allow you to make lower monthly payments than your standard amount for a defined period of time. It's designed to help you remain in good standing while avoiding delinquency or default. It does not change the terms of your loan or your interest rate.

Things to Consider:

• Temporary Relief:

  • These reduced payments are approved for a limited time and payments must be made on time to maintain the arrangement.

• Interest may Continue to Accrue:

  • Your loan may continue to accrue interest. If your temporary reduced payment doesn’t fully cover the interest accrued for that period, the unpaid portion may be added to your balance (capitalized) subject to the terms of your loan.

• Loan Balance May Increase:

  • Because you’re paying less than your regular monthly payment, the total repayment period and interest paid over time may increase.

• Not the Same as Deferment or Forbearance:

  • This option still requires monthly payments, just at a lower amount. For full postponement of payment obligations, you may consider a deferment or forbearance option instead.

What If You Can’t Pay Right Now?

If you’re not able to make payments but want to stay on your current plan, you may still be eligible for temporary relief options, depending on your loan type and situation.

Reminder: Interest may continue to accrue and could be capitalized (added to the loan balance) once the postponement period ends, subject to the terms of your loan.

See What You May Qualify For

To find out what repayment options your lender or school offers:

• Log in at https://www.uasconnect.com and send a secure message through your portal, or
• Call us at (844) 870-8701 to discuss available repayment solutions.

We're here to help you stay on track with a plan that fits your current situation.

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Co-Signer Release Information for Private Student Loans

In certain cases, a co-signer may be eligible to be released from a private student loan. If you have co-signed such a loan, it's important to know that some lenders offer co-signer release options. However, approval typically depends on the borrower meeting specific eligibility requirements established by the lender or school.

Common Eligibility Requirements for Co-Signer Release

Although each lender sets its own criteria, most will require that the borrower:

• Has made a series of consecutive, on-time monthly payments. The number of payments is determined by the lender.
• Demonstrates sufficient annual income to support repayment of the loan balance.
• Successfully passes a credit review with no recent derogatory marks such as delinquencies, bankruptcies, foreclosures, or repossessions.

How to Inquire or Apply

For questions about co-signer release, please contact us at (844) 870-8701, or register for an online portal account at https://www.uasconnect.com by clicking the Register icon. Once registered, you can communicate with us securely through the portal.

Please Note: University Accounting Service (UAS) does not own your loan but may assist with questions regarding your lender’s co-signer release process.

Cosigner Access and Payments

Co-signers may also register for portal access at https://www.uasconnect.com to view account information and make payments. For help with registration, call (844) 870-8701.

Loan Payoff Instructions

Congratulations! We’re glad to hear you’re ready to pay off one or more of your student loans. You can obtain a payoff amount and make your payment online, or if you prefer, give us a call for assistance.

Important Note for Auto Pay Participants

If you are enrolled in Auto Pay, please be aware:

• To prevent the next scheduled payment from processing, your payoff must post at least 3 business days prior to the Auto Pay draft date.
• Alternatively, you may manually cancel Auto Pay online for any loan(s) being paid in full—again, at least 3 business days before the scheduled draft.
• If your loan has been overpaid and you have not received a refund within 14 days, you may contact us to inquire about the status of the refund.

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