There are steps you can take to repay your federal student loan successfully and avoid going into default. 
Understanding your loan agreement , staying on top of your loan information , and making sure to contact your loan servicer if you are having trouble making payments can help you avoid default. If you don t make a payment on time or if you miss making a payment , your loan is delinquent and late fees may be assessed. Even if you are delinquent on your loan, you may still be able to avoid default , so it s important that you contact your loan servicer immediately. 

Take Steps to Avoid Default 
Avoid default. Take the time to fully understand your loan agreement and the types of loans you are receiving. It s also important that you not borrow more than you need or more than you expect to be able to repay. Develop a sound and realistic financial plan. If your federal student loan is delinquent , check out the Student Loan Debt Collection Assistant, which the U.S. Department of Education developed in partnership with the Consumer Financial Protection Bureau. The tool provides information about how to access the full range of special repayment options available to you. 

Understand Your Loan and Loan Agreement 
Understand the type of aid you are receiving. Loans, unlike most grants, scholarships, or work - study funds, must be repaid. Know the type of loan you are receiving. Understand the costs of getting the loan, the interest rate, and the repayment terms for the loan. Read Know Before You Owe from the Consumer Financial Protection Bureau. Read your promissory note. It is a legal document. Signing a promissory note means you agree to repay the loan according to the terms of the note. You must repay all the loans you receive, even if you don t complete your education. 

Manage Your Borrowing 
Borrow only what you need to pay for your college expenses. Create a budget to determine how much you really need to borrow. Contact your school s financial aid office to

user: What steps can I take to successfully repay my federal student loan and avoid default?

assistant: It is important to stay on top of your loan information, and making sure to contact your loan servicer if you are having trouble making payments can help you avoid default.

assistant: Do you want to know what happens if you don't make a payment on time or if you don't?

user: yes

assistant: ok note that if this happens your loan is delinquent and late fees may be charged. Even if you are behind on your loan, you can still avoid default, so it is important that you contact your loan manager immediately.

user: What can I do to avoid non-compliance?

assistant: Take the time to fully understand your loan agreement and the types of loans you are receiving. It is also important that you do not borrow more than you need or more than you expect to be able to pay

user: how can i track my loans online

assistant: Find information on all your federal student loans from the US Department of Education by logging in to "My Federal Student Aid".

user: What is a point for which loans, scholarships or study and work funds must be repaid?

assistant: Please note that it is a legal document. Signing a promissory note means that you agree to repay the loan in accordance with the terms of the promissory note.