Oklahoma

Student Loans

Know the Law

• Guide to repaying your federal student loans

  You have the right to switch to the Pay As You Earn (PAYE) repayment plan, which has a lower monthly payment based on your income and family size. Read More

  By:

  Legal Aid Services of Oklahoma, Inc.

• Managing Your Student Loans

  General information on student loans Read More

  By:

  Legal Aid Services of Oklahoma, Inc.

• Collection Agencies and Your Rights: Sending A Cease Communications Letter

  Federal law requires collection agencies to stop their collection efforts after they receive a written request to stop. This self-help packet walks you through sending a letter to a collection agency requesting communications to stop. Content Detail

  By:

  Student Loan Borrower Assistance

  Read this in:

  Spanish / Español

• Discharge Application: Total & Permanent Disability

  The form for requesting a discharge for federal student loan or loans under the FFEL Program, Perkins Loan Program, and/or Direct Loan Program loan(s), and/or my TEACH Grant service obligation. Content Detail

  By:

  Department of Education

• Escaping Student Loan Default

  This video offers practical steps for getting out of default on your student loans. Learn more at CentsibleStudent.org. Read More

  By:

  US Dept of Education, Utah Higher Ed Assistance Authority & Utah Education Network.

• Federal Student Loans: Examples of Debt Levels & Monthly Payments

  Chart listing examples of debt levels, monthly payments and total amount repaid for all direct load repayment plans. Content Detail

  By:

  Federal Student Aid

• Financial Hardship Claims

  The government can take a portion of certain benefits to collect on government student loans, including Social Security benefits, benefits under Part B of the Black Lung Benefits Act, and some Railroad Retirement benefits. This is called an “offset.” Read More

  By:

  National Consumer Law Center

• Loan Forgiveness for Public Service Employees

  This fact sheet summarizes the terms and conditions of the Public Service Loan Forgiveness Program. Content Detail

  By:

  Federal Student Aid

• Repaying Your Loans

  What you need to know about repaying your federal student loans. Content Detail

  By:

  Federal Student Aid

  Read this in:

  Spanish / Español

• Student Loan Collections

  What might happen if you fall behind on your payments. Content Detail

  By:

  Nolo Plain-English Law Centers

• Student Loan Discharge Application: School Closure

  If, after 1/1/86, the school you attended closed before you could complete your education, you could qualify for a cancellation. This website provides an application in PDF format to apply for a discharge based on school closure. Content Detail

  By:

  Student Loan Counseling Services, Inc.

• Total & Permanent Disability Discharge

  All federal loan borrowers are eligible for a discharge or cancelation of federal student loans based on a permanent and total disability. In order to qualify, you must be unable to work and earn money because of an illness or injury that is expected to continue indefinitely or result in death. This is a very restrictive standard, generally higher than the standards in most other disability programs, such as Social Security. Content Detail

  By:

  Student Loan Borrower Assistance

• Borrowing Money in Plain English (Video)

  Borrowing money to accomplish a goal? This video explains the process. Read More

  By:

  The Common Craft

• SCRA -- How to Postpone a Lawsuit Against You (video)

  This is the finale video in a 4 part video series for servicemembers and their families. As a servicemember you have protections for you and your family under federal law. This law is called the Servicemembers Civil Relief Act (SCRA). Content Detail

  By:

  Arkansas Legal Services Partnership LegalTube

• What Happens If You Default on Your Student Loans

  Know what to expect if you fall behind on student loan payments. Content Detail

  By:

  Nolo Legal Solutions