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 can afford the monthly payments, you'll probably want to stick with the original repayment plan offered by your lenders.