Understand your loan’s details

  • Find your information. If you’re not sure what your interest rate is, or how long you’ll make student loan payments, log in to your account and go to Loan Details.
  • Know when your student loan payment is due. During your separation or grace period, you’ll receive billing statements, along with additional communications from us that inform you of your estimated monthly payment amount. (For a Smart Option Student Loan®, both the borrower and cosigner receive billing statements; for other loans, the cosigner may not receive them.)

In the last month of your separation or grace period, your billing statement will show how much your new principal and interest payment amount will be and when it’s due (the Current Amount Due Date). Your student loan payment will be due the same date every month.


Estimate your student loan payment amount

In the final month of your separation or grace period, your billing statement will have the amount of your principal and interest payments. However, if you’d like an estimate in advance, you can use our Student Loan Payment Amount Estimator.

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