How to repay your loans

To learn more about repayment and loan forgiveness options for federal student loans, you may go to these federal student aid sites. Take note of your loan type(s) when reviewing the information provided here.

• https://studentaid.gov/manage-loans/repayment/plans
• https://studentaid.gov/manage-loans/repayment/repaying-101
• https://studentaid.gov/manage-loans/forgiveness-cancellation
• https://studentaid.gov/sites/default/files/repaying-your-loans.pdf

---

Teacher Cancellation Low Income Directory

(Perkins loans only)

You may be eligible for partial cancellation of your Perkins loan account for teaching in a school listed in the Directory:

• https://studentaid.gov/tcli/

---

Teacher Shortage Areas Nationwide Listing

(Perkins loans only)

You may be eligible for partial cancellation of your Perkins loan account for teaching science, math, foreign language, bilingual education, or a subject area designated by the state has having a shortage of teachers.

• https://www2.ed.gov/about/offices/list/ope/pol/tsa.pdf

---

Total and Permanent Disability

You may be eligible for the discharge of your federal student loan if you are permanently disabled and unable to work. For Perkins loans, the process is handled entirely by the Department of Education.

For other federal loan types, contact the lending school for information on what information to submit and where to send it.

• http://www.disabilitydischarge.com/

---

Student Loan Benefits

Depending on your lender, loan type, and promissory note you may be eligible for deferment, forbearance, or reduced repayment plans. Although these benefits may allow you to pay less than originally scheduled, they also come with consequences.

For some benefit types and/or some lenders, interest may accrue, and may be due at the end of the benefit period or may be capitalized and added to the principal balance of your account. Some benefits have maximum periods and have been designed for short-term relief.

If you are experiencing financial difficulties, please contact us to discuss your unique situation.

---

Cosigner Options

(Cosigner Release)

For questions regarding cosigner release, please call us at 877-530-9782 or set up an online portal access at https://www.studentchoiceconnect.com and clicking on the Register icon. By setting up a registration, you may contact us through the portal. UAS does not own your loan, but may be able to assist with questions based on your lender's cosigner release practices.

Cosigners may make payments through their own registration login at https://www.studentchoiceconnect.com. For questions about setting up your registration access please call us at 877-530-9782.

---