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Right now that includes Credit Karma, for checking how forbearance or default has affected your credit. Affiliate links are marked where they appear.

What we never do

• We never tell you to pay for help with federal loans. Every federal repayment plan and forgiveness program is free to apply for through StudentAid.gov or your servicer.
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• We never recommend refinancing federal loans into private loans for borrowers pursuing PSLF or IDR forgiveness, since it ends federal forgiveness eligibility.

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