Repayment plans are an integral part of managing various financial obligations, from student loans to mortgages, and even credit card debt. While it’s essential to understand your repayment options and their terms, it’s not uncommon to have questions or encounter challenges when navigating these plans. In this article, we will explore who you should contact when you have questions about repayment plans and where to find reliable information.

1. Lender or Loan Servicer

When you have questions about a specific repayment plan, especially concerning loans like student loans, mortgages, or personal loans, your first point of contact should be the lender or loan servicer. The lender is the financial institution or organization that provided the loan, while the loan servicer is responsible for managing the day-to-day administrative tasks associated with the loan, including processing payments, addressing borrower inquiries, and providing information about repayment options.

Here’s how to contact your lender or loan servicer:

Student Loans: For federal student loans, you can visit the Federal Student Aid website ( to identify your loan servicer and access their contact information. Private student loan lenders can be contacted directly through their customer service departments.

Mortgages: Your mortgage lender or servicer’s contact information can typically be found on your mortgage statement or their official website.

Personal Loans: Contact your personal loan provider using the information provided on your loan agreement or their website.

When reaching out to your lender or servicer, be prepared to provide specific details about your loan, including the loan account number, to help facilitate a more efficient conversation.

2. Department of Education (for Federal Student Loans)

If you have federal student loans and need information about repayment plans, the U.S. Department of Education’s Federal Student Aid office is a valuable resource. They can provide information about federal student loan repayment options, including income-driven repayment plans, loan forgiveness programs, and deferment or forbearance options.

You can contact the Federal Student Aid office through their website ( or by phone. They offer a variety of online tools and resources to help borrowers understand their repayment options.

3. Consumer Financial Protection Bureau (CFPB)

The Consumer Financial Protection Bureau (CFPB) is a U.S. government agency that provides resources and guidance on a wide range of financial topics, including repayment plans. They offer information on various types of loans, credit card debt, and mortgage-related issues. The CFPB website is a valuable source for understanding your rights and options when it comes to managing debt and repayment plans.

The CFPB website provides articles, guides, and frequently asked questions on various financial topics. You can also submit complaints or questions to their team if you need further assistance or clarification.

4. Housing Counseling Agencies

If you have questions about mortgage repayment plans and need assistance, you can contact a housing counseling agency approved by the U.S. Department of Housing and Urban Development (HUD). These agencies provide free or low-cost housing counseling services and can help you understand your mortgage options, avoid foreclosure, and make informed decisions about your housing situation.

You can find a HUD-approved housing counseling agency in your area by visiting the HUD website or calling their toll-free hotline. Housing counselors can provide guidance on loan modification, repayment plans, and foreclosure prevention.

5. Credit Counseling Agencies

For individuals facing challenges with credit card debt and repayment plans, credit counseling agencies can be a valuable resource. These agencies offer financial counseling services, budgeting assistance, and debt management plans. They can work with you to create a structured repayment plan for your credit card debt.

Ensure that you choose a reputable and nonprofit credit counseling agency, and be cautious of any fees associated with their services. You can find a list of approved credit counseling agencies on the websites of the National Foundation for Credit Counseling (NFCC) or the Financial Counseling Association of America (FCAA).

6. Legal Assistance

In some cases, legal assistance may be necessary when dealing with complex financial matters and repayment disputes. If you believe that your rights as a borrower have been violated, or if you are facing significant legal challenges related to repayment, you may want to consult with an attorney who specializes in consumer or financial law.

Legal aid organizations and pro bono legal services may be available in your area to provide assistance to individuals who cannot afford legal representation. Additionally, local bar associations can often provide referrals to attorneys who can address your specific needs.


Having questions about repayment plans and managing your financial obligations is a common experience for many individuals. Depending on the type of loan or debt you are dealing with, there are various organizations and resources available to assist you. Your lender or loan servicer, the Department of Education, the CFPB, housing counseling agencies, credit counseling agencies, and legal assistance providers are all valuable points of contact to help you navigate repayment plans and make informed decisions about your financial future. It’s essential to proactively seek the information and assistance you need to ensure that your repayment plans align with your financial goals and responsibilities.


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