There are several different repayment plans for student loan borrowers. The best way to set yourself up for success is to pick the repayment plan that's best for you to avoid falling into default. Borrowers start out on a standard 10-year repayment plan after a six-month grace period passes, but if that's too much to handle, there are other repayment plans based on your income that can adjust your monthly payments. If you aren't sure which repayment plan best fits your needs, you can learn more and see what your monthly payments would look like with different plans on StudentLoans.gov. It's also important to communicate with your student loan servicer and let them know if you need help in repayment. You can find out who your servicer is through the National Student Loan Data System for Students by clicking on "Financial Aid Review."