Student Loans: Repayment Strategies, Forgiveness and Refinancing

What is the average student loan debt in 2026? See current averages for federal, private and bachelor's-degree borrowers, plus what the numbers mean.

Wondering which student loans to pay off first? See why high-rate private loans usually come first, when to try avalanche or snowball and when to wait.

Federal student loan repayment changed on July 1, 2026. See your plan options, how RAP works, and how to lower your payments under the new rules.