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Fast Fact

10–15 days
The amount of time most lenders give after the due date for a payment to be considered "on time."

Change Your Due Date

If you fall behind because your student loan payment is due the same week as the mortgage, car payment, or another big bill, then request a change in your due date.

Step 1. Seek help immediately.

Don't wait until you fall behind.

Step 2. Contact your lender or loan servicer.

Your lender/loan servicer will make every effort to comply with your request for a new due date.

Step 3. Choose a due date that fits your schedule.

For convenience—Schedule your student loan payment to coincide with your payday or the date on which you pay your other bills.
For help making payments—Plan your due date when you know you'll have money in your bank account.

Helpful Tips

In most cases, due dates fall between the 1st and 28th of the month.
Once a missed payment appears on your credit history, it may affect your ability to obtain credit in the future.
Not all lenders/loan servicers may offer this service.