If you were smart you didn't wait until the last minute
Here are some tips from the New York State Higher Education Services Corp. to make the transition process as painless as possible:
Use the National Student Loan Data System ( www.nslds.ed.gov/nslds_SA ) to get the name of your loan servicer and find out how much you owe. It’s also important to know what type of loans you have (Stafford, PLUS, etc.), so you’ll know what options are available to you.
Then, use the HESC’s Repayment Estimator calculator at www.hesc.com to figure out which payment plan will work best for you.
With a standard repayment plan, you’ll make a fixed payment each month of however much is required to pay off
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