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5 Steps to Kick Student Debt

Step 1: Pledge
Every American deserves a fair shot at higher education, but student debt has become a barrier to accessing the American Dream. Raise your voice for college affordability.
Take the pledge


Step 2: Get a Federal Student Aid ID
Why? It provides you access to your Federal Student Aid and Loan records and allows you to apply for lower student loan repayment programs.

Get your FSA ID


Step 3: Payment
Are you an educator or education support professional eligible for lower payments? There are different plans that may help you lower your monthly student loan repayments. The most common are Income Based Repayment (IBR), Income Contingent Repayment (ICR) and the Pay As You Earn (PAYE) plans. Many other plans exist that could potentially save you money. A calculator is available to help you find out which one is right for you.  If you are ready to get started sign in and complete a repayment plan request.

Sign into


Step 4: Public Service Loan Forgiveness
Do you want to be in the best position to have your student loans forgiven after working 10 years in public service?

Borrowers who work in public service jobs (such as education) often qualify for Public Service Loan Forgiveness. This means that loans could be completely forgiven after ten years of working and making payments. Use the Employment Certification for Public Service Loan Forgiveness (PSLF) form to keep track of your eligible employment and qualifying loan payments.

Download and complete the Public Service Loan Forgiveness Employment Certification Form. Make a copy for your records then mail or fax the form to FedLoan Servicing. Your form will be reviewed and based on the information provided by your employer, determine whether you qualify for the Public Service Loan Forgiveness program.

Download Form | Q&A | Checklist


Step 5: Promote Degrees Not Debt
Start and advance the conversations about NEA Degrees Not Debt and solutions to college affordability and student debt.


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