Are you looking to make your payments more affordable?
not necessarily
and after choosing a plan can you change it?
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 can you help me how to use loan simulator
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.
What if I have several loans?
you can consolidate them into a single Direct Consolidation Loan. This can simplify repayment if you currently make separate loan payments to different loan holders or administrators, as you only have to make one monthly payment.
And what is the payment of my federal Perkins loan?