Most lenders offer a variety of repayment plans.
Which plans are available to you depends on the types of loans you have. Private loans, made without federal funds, come with fewer repayment options. You may want to pick just one method or, if you have several loans, combine approaches to create the best repayment strategy. To investigate your options, call your lender, loan holder or loan servicer. If you're eligible for more than one repayment plan, keep in mind that you aren't locked into the method you choose.