Student Loan Assistance Difficulty Making Federal Student Loan Payments If you’re having difficulty making your federal student loan payment, contact your loan holder to find out how you can stay on track and avoid delinquency and default. Talk to your loan holder about the options that are available to you. You can change your repayment plan at least once a year (some loan holders will let you change more frequently) or consolidate your federal student loans to make your payments more affordable. You may be eligible for a deferment or forbearance to temporarily stop, delay or lower your payments for a short period of time. In certain cases you may be eligible to have your loans or a portion of your loans cancelled or forgiven. Don’t default on your federal student loan. The consequences of default can be serious. Click here to learn more. Should you discover that your federal student loan is delinquent, contact the Inceptia Outreach Team to visit with a trained counselor at 855.471.1615 to learn of repayment options to help you get back on-track.