The COVID-19 student loan moratorium is ending. Here are three things to remember once repayment resumes.

The Student Loan moratorium will end on January 31, 2022. While this may sound daunting, we can help you with tips and tricks to get back on track.

  1. One of the most important things to remember when the moratorium ends is to make sure your contact information is up to date on your loan servicer’s website and in your profile. This is to ensure that your billing statements go to the right place, whether through standard mail or email. You can do this on your loan servicer’s website. You should also make sure you are still enrolled in auto-debit, as it may not automatically restart.
  2.  A second thing you’re going to want to do when preparing for loan repayments to resume is to use the Federal Student Aid to see which options fit your financial needs.
  3. Finally, the FSA provides an income-driven repayment plan (IDR), which is designed for those seeking to reduce their monthly payment amounts suitable to their income and financial responsibilities. Borrowers who are not enrolled in this type of plan but are looking to reduce monthly costs, or are already enrolled but need to make changes, should apply. There are also a few different types of IDR plans, which vary depending on your needs. The different styles and how to apply to an IDR plan can be found on the FSA website.

For more information on the COVID-19 pandemic and its effects on student loan borrowers, visit, call us at (401) 247 4400, or email us at You can also visit the FSA’s website at