If you’re having trouble affording your federal student loan payments, several income-driven repayment (IDR) plans are available, which can lower your monthly payment based on your income and family size. Additionally, if you work in public service, you may be eligible for Public Service Loan Forgiveness (PSLF) after making qualifying payments. For defaulted federal loans, the Fresh Start program offers a pathway to get your loans back in good standing. While The Kugel Law Firm does not directly assist with enrollment in these federal programs, we can help you understand your eligibility and the general process. You can also contact your loan servicer or the federal student aid website for more information.