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Don't Pay for Help with Your Student Loans

As your student loan servicer, Granite State Management & Resources (GSM&R) is committed to helping you successfully manage your student loan repayment for free.

Protect Yourself.

Be cautious of companies offering student loan services for a fee. Here are some warning signs to avoid student loan debt relief scams:

  • Pressure to pay high upfront fees or to sign a contract on the spot.
  • Promises of immediate loan forgiveness or debt cancellation.
  • Promises to lower your payment immediately.
  • Demands that you sign a "third party authorization" or a "power of attorney".
  • Requests for your Federal Student Aid (FSA) ID.

Learn More.

There are options available for you to receive assistance for free from Federal Student Aid and your loan servicer, GSM&R. To view information about your federal loans serviced by GSM&R, log in to Manage My Account. To view information about all your federal student loans, log in to

You can also check out the following resources from the U.S. Department of Education and FSA: 

Avoid Scams

Contact Us.

If you need help with loan repayment, contact us today. GSM&R provides free, unbiased and professional support, including assistance with:

  • Automatic payments. You may be eligible for an interest rate reduction by having your monthly payments automatically deducted from your checking or savings account.
  • Repayment plan options. There are a number of repayment plans available, which provide you flexibility you need when repaying your loan(s). You can switch to a different repayment plan at any time to best suit your needs and goals. If you need a lower monthly payment, consider an income driven repayment plan, which will base your monthly payment amount on how much you make.
  • Deferment and forbearance. You may be eligible to postpone your student loan payments if you are currently experiencing difficulty meeting your monthly payment obligation.
  • Servicemember benefits. There are special benefits and repayment options for student loan borrowers in the military, including an interest rate cap, loan repayment options and deferment.
  • Loan forgiveness. There are circumstances in which your federal student loan(s) can be forgiven or discharged.
  • Loan consolidation. If you have multiple student loans, you can combine all your federal student loans into one loan and make a single monthly payment. To apply directly for consolidation, login to