Student Loan Repayment Strategies I am entering repayment for the first time. What should I know? Entering Repayment for the First Time What is the best repayment strategy for me? Determine Your Student Loan Repayment Strategy Tool Repayment Options: Income-Driven Repayment (IDR) What is income-driven repayment (IDR)? How do I achieve IDR forgiveness? Income Driven Repayment (IDR) Forgiveness What would my payment be under an income-driven repayment (IDR) plan? Income Driven Repayment (IDR) Calculator Forgiveness Options What student loan forgiveness options are there? Student Loan Forgiveness Options What is Public Service Loan Forgiveness (PSLF)? Public Service Loan Forgiveness (PSLF) Problems with Repayment How can I postpone student loan repayment? Postpone Student Loan Repayment How do I prevent or get out of default? Prevent or Get Out of Default I am in default and experiencing wage garnishment or tax refund/Social Security offsets. What can I do? Stop Garnishments and Offsets English