Repaying Loans

Defaulting on your student loan is serious. If your loan defaults, a report is made to all the credit bureaus, and your federal income tax refunds could be seized or your wages garnished. Let's work together!

Delta's Partnership with i3 Group

San Joaquin Delta College and i3 Group are in partnership together. i3 group's student loan counselors can help with questions you have about your student loan repayment or postponement options. On behalf of San Joaquin Delta College, these services are provided at no cost to all current and former students.

To understand deferment, forbearance and the financial consequences of postponing repayment, call an i3 Counselor at the following toll-free number 1-855-874-6072

Business hours:

Monday - Thursday: 7:00 AM - 8:00 PM CST
Friday: 7:00 AM - 4:00 PM CST
Saturday: 7:00 AM - 11:00 AM CST

Register with to manage your student loans online. It will provide you fast and easy access to view all of your Federal Direct loan(s) as well as:

  • review repayment scenarios
  • develop your own personal budget
  • keep track of your loan servicers.

Repayment Options

Income-based repayment

  • You must demonstrate partial financial hardship to qualify.
  • Monthly payments are adjusted annually based on your adjusted gross income and family size.
  • Monthly payments can be less than interest due.
  • Additional benefits such as restricting capitalization, loan forgiveness, and interest subsidies are available.

Income-sensitive repayment

  • Monthly payments are adjusted annually based on your monthly gross income and the amount owed.
  • Monthly payments must cover at least the interest due.
  • The repayment term cannot exceed 10 years plus an additional five years of reduced payment forbearance.

Standard repayment

  • Fixed (substantially equal) monthly amounts are paid over the maximum of 10 years.
  • Your monthly payment must be at least $50. The repayment term cannot exceed 10 years, excluding in-school, grace, and deferment or forbearance periods

Graduated repayment

  • Monthly payments are smaller at the beginning of the repayment period and gradually increase in anticipation of your income increasing.
  • The repayment term is generally 10 years.
  • Monthly payments must cover at least the interest due.

Extended repayment

  • This option is available only to borrowers whose loans were taken out on or after October 7, 1998, with a FFEL loan balance greater than $30,000.
  • You can select either a standard or graduated repayment plan with up to 25 years to pay off your loans.
  • Monthly payments must cover at least the interest due.

Income-contingent repayment plan for Direct loans

  • Monthly payment amount will be based on your annual income (and that of your spouse if you are married), your family size, and the total amount of your Direct subsidized and unsubsidized loans.
  • As your income changes, your monthly payments may change on an annual basis.
  • If you do not repay your loan after 25 years under this plan, the unpaid portion will be forgiven. You may have to pay income tax on any amount forgiven.

Unable to Pay?

You have two options if you are unable to pay at this time.


There are a number of deferments that you could qualify for. You don't have to make payments when your loan is in an approved deferment status.


A temporary stop or reduction of your student loan payment.

For more information or to change your loan repayment plan, contact your student loan servicer and visit their website today!

Who is my servicer?

Not sure who is your Loan Servicer, visit The National Student Loan Data System at to access your federal student loans and grants online. The secured site displays information on your student loans & grants, including amounts, outstanding balances, and status.

How Do I Log-in?

You will need your FSA ID. You can request one at after successfully submitting your request, the Department of Education will send an email. You are now ready to access your financial aid records at


Servicer Contact
Aspire 1-855-475-3335
CornerStone 1-800-663-1662
COSTEP 1-877-292-8639

Direct Loan Servicing Center (ACS)

Department of Education Student Loan Servicing Center (ACS) 1-800-835-4611
EDGEucation Loans 1-877-292-7470
EdManage 1-855-479-0490
ESA/Edfinancial 1-855-337-6884
FedLoan Servicing (PHEAA) 1-800-699-2908
Granite State 1-888-556-0022
Great Lakes Educational Loan Services, Inc. 1-800-236-4300
KSA Servicing 1-877-292-4825
MOHELA 1-888-866-4352


OSLA Servicing 1-866-264-9762
Navient (formally Sallie Mae) 1-800-722-1300
VSAC Federal Loans 1-888-932-5626

TIP: It is important to maintain contact with your loan servicer. If you're having trouble making student loan payments or your circumstances change at any time during your repayment period, your loan servicer will be able to help.

What am I supposed to do?

Financial Responsibilities as a Borrower

  • Complete Exit Counseling.
  • Repay your loan, including Interest and fees, whether or not you complete your education, obtain employment or are satisfied with your education.
  • Notify the holder of your loan of changes to your name, phone number or address; also if you drop below half-time enrollment, graduate or change your graduation date.
  • Make consecutive, on-time monthly payments.

Several options are available for repayment of your student loan, allowing you to choose the one that best meets your financial needs. Your loan servicer must allow you to change your repayment plan at least once a year.