If you have trouble making payments once you leave school, you should contact your loan servicer immediately. The loan servicer is the company that handles billing and services for your student loan and can help you explore repayment options, including income-driven plans, deferment, or forbearance, which can temporarily reduce or pause your payments

. To find out who your loan servicer is, you can log into your federal student aid account (such as My Federal Student Aid for U.S. federal loans) or check your loan paperwork or credit report if you have private loans

. Keeping in touch with your loan servicer is crucial to avoid default and to get assistance tailored to your situation

. In summary:

• Contact your loan servicer as soon as you have trouble making payments.
• Discuss repayment plans or options like deferment or forbearance.
• Keep your contact information updated with your loan servicer.
• If you are outside the country or your income changes, notify your loan servicer accordingly.

This approach applies broadly to federal student loans in the U.S., and similar principles apply in other countries, where you would contact the equivalent loan agency or servicer managing your student loan repayments