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Tackle Student Loans With Confidence

Watch a video to learn about relief programs and recent changes that could help.

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Understanding Your Student Loan Options

Help is available for making sense of current student loan repayment options.

AARP Foundation has teamed up with the National Consumer Law Center (NCLC) to bring you the latest information and guidance, developed specifically for people over 50 — and it’s free.

Watch our featured and on-demand videos to explore your best path forward.

Featured Content

3:45

Student Loan Default

Learn what steps you can take to get out of default and back on track.

4:36

Public Service Loan Forgiveness

Learn about the program that provides federal loan forgiveness for working in qualifying public service jobs.

3:36

Total and Permanent Disability

Learn who and what qualifies a person as eligible for Total and Permanent Disability Discharge.

Managing Student Loan Debt After 50

Get tips on repayment, forgiveness, and relief options from AARP Foundation and NCLC.

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Older adult woman sitting at table looking at student loan bills and laptop

Are You in Federal Student Loan Default?

Over 9M Americans 50+ carry student debt. Check if you're in default and restore your loans.

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Total & Permanent Disability Loan Discharge

Older adults may qualify for student loan TPD discharge even without disability benefits.

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On-Demand Videos

1:02:08

Aging with Student Loan Debt: Part 1

This is the first of several talks we’re offering to support you. Learn from experts who will:

Explain the different types of student loans in simple terms
Share news about the types of cancellation and relief programs
Share news about programs that can lower or cancel your debt
Answer frequently asked questions

1:32:01

Aging with Student Loan Debt: Part 2
A Deep Dive Into Parent PLUS Loans

This is the second of several talks we’re offering to support you. Learn from experts who will:

Explain the basics of Parent Plus loans
Show how to decide if Parent Plus loans are right for you
Share time-limited relief programs and the steps you can take to apply
Provide updates on the latest student loan changes and how they may affect you

1:31:49

Aging with Student Loan Debt: Part 3
A Deep Dive on Total and Permanent Disability Discharge

This is the third of several talks we’re offering to support you. Learn from experts who will:

Discuss who and what qualifies a person as eligible for Total and Permanent Disability Discharge
Guide you on how to talk with your physician
Explain how to apply for loan forgiveness and cancellation programs

1:29:00

Aging with Student Loan Debt: Part 4
A Deep Dive Into Student Loan Default

This is the fourth of several talks we’re offering to support you. Learn from experts who will:

Discuss what happens when you fall behind on student loan payments
Explain the difference between delinquency and default
Outline clear steps you can take to get out of default and back on track
Explain why it’s important to avoid student loan default

1:29:39

Aging with Student Loan Debt: Part 5
A Deep Dive Into Student Loan Repayment

This is the fifth of several talks we’re offering to support you. Learn from experts who will:

Explain how repayment, deferment, and forbearance work
Discuss steps you can take if you’re having trouble making payments

AARP Foundation helps turn setbacks into comebacks. We’ve been helping people 50 and older find affordable ways to secure the essentials for more than 60 years, and we’re here to help make student loans less overwhelming.

Since 2007, the National Consumer Law Center has helped millions of student loan borrowers understand their rights and options. Their expert team provides trusted guidance on loan relief, repayment plans, and debt management through training, advocacy, and direct support.