which repayment plan will you be placed on automatically unless you change it by contacting your server

For federal student loans, you are automatically placed on the Standard Repayment Plan unless you actively choose a different plan by contacting your loan servicer or applying for an alternative repayment option online.

Quick scoop on what that means

• The Standard Repayment Plan uses fixed payments, typically over 10 years for most federal student loans.

• This plan is the default setup: when your loans enter repayment (or when you exit default through programs like Fresh Start), you are automatically put on Standard Repayment unless you request a different plan such as an income-driven repayment plan.

• To change it, you must contact your servicer or submit a repayment plan request through the official federal student aid website.

In short: if you do nothing, you stay on Standard Repayment; if you want something else, you must ask for it. Information gathered from public forums or data available on the internet and portrayed here.