Loan Repayment Options

Manage Your Loan Debt Successfully

At FGCU, we understand that even with the best intentions to repay your student loans, life happens. You can experience challenges that make repayment difficult. Know your loan history and explore the different options for repayment to protect your future.

National Student Loan Data System (NSLDS)

The NSLDS allows a student to view all outstanding Federal student loans.  The student will be able to access servicer and guarantor information for these loans as well. A FSA ID is required for access.

 Federal Direct Loan Repayment Plans

The Direct Loan Program offers loan repayment plans designed to meet the needs of almost every borrower.  Direct Loans are funded by the U.S. Department of Education through your school and are managed by the Direct Loan Servicing Center, under the supervision of the Department.  The Direct Loan Program allows you to choose your repayment plan and to switch your plan if your needs change. Use the Repayment Estimator to estimate federal student loan payments under each repayment plan.

To find out more about repayment options before receiving a Direct Loan, borrowers may contact the financial aid office or the Federal Student Aid Information Center at 1-800-4-FED-AID (1-800-433-3243). Repayment information is also found online.

Important Note: Parent Direct PLUS Loan borrowers may only choose from the standard, extended, or graduated options, but Graduate Direct PLUS Loan borrowers may also choose the income contingent repayment plan, income-based repayment plan, or the pay as you earn repayment plan.

  • Loan Simulator

  • Standard Repayment

  • Extended Repayment

  • Graduated Repayment

  • Income Contingent Repayment (not available for Parent PLUS Loan borrowers)

  • Income-based Repayment

  • Pay As You Earn Repayment

Federal Direct Consolidation Loans

Direct Consolidation Loans allow borrowers to combine one or more of their existing Federal education loans into a new loan that offers several advantages.  These advantages may include one monthly payment, flexible repayment options, varied deferment options and reduced monthly payments.  To apply, please visit

  Additional Repayment Information

Under certain circumstances, you can receive a deferment or forbearance that allows you to temporarily stop making your federal student loan payments or to temporarily reduce the amount of your federal student loan payments. Stopping or reducing your payments may help you avoid default.

  • Deferment

  • Forbearance

  • Default