Are you in search of a loan where your payments are more affordable?
not necessarily
And how can I see what plans you can access?
Before contacting your loan manager to discuss repayment plans, you can use our Loan Simulator to get an early look at the plans you may be eligible for and see estimates of how much you would pay monthly and overall.
and what are the loans based on?
repayment plans may give you more time to repay your loans or may be based on your income.
And then could I change the payment plan?
Although you can select or be assigned a payment plan when you start paying off your student loan, you can change your payment plans at any time for free.
And how is the federal Perkins loan?