Stafford and PLUS loan payments are always made to your loan servicer (not to the university you attended). To find out who is servicing your loans click here.
The Department of Education offers several repayment plan options. For information on Federal student loan repayment options click here.
Before you contact your loan servicer to discuss repayment plans, you can use the Department of Education’s Loan Simulator to get an early look at which repayment plans you may be eligible for and see estimates for how much you would pay monthly and overall.
Private | Alternative loan payments are remitted to the lender you originated the loan with. If you have taken out loans with multiple lenders you will have to make separate payments to each (unless you consolidate them). Repayment terms are typically determined at the time the loan is originated. Additionally, there is no central database that tracks all of your private loans like there is for Federal student loans.
If you are not sure what the repayment terms are for the loan(s) you have outstanding, contact the lender immediately. Also check your mail and email as your lender will likely be trying to make contact with you. DO NOT ignore your lender as doing so will lead to delinquency and could negatively impact your credit.