Manage My Loan

Note: Pathways2GSFA (pathways2gsfa.org) is no longer available. You must manage your loan(s) at Loans.GAfutures.org. 

Manage Your State Loan:

Recipients of any of the State Loan programs can manage their loan after the first disbursement has been made through the secure borrower portal: Loans.GAfutures.org.

Access your account through the portal Loans.GAfutures.org to check your loan balance, make a payment, update contact information and access/view documents and more.

The Create an Account Video will show you how to set up your secure account on Loans.GAfutures.org account. Then you can track the status of your loans with GSFA, submit required forms to keep your loans current, and make required payments.

Consider setting up Auto Debit payments so your payment is always on time. Only the set payment amount due will be drafted and only on your payment due date. Online payment is secure, and you have the control to stop payment if needed.

Repayment and Credit Bureau Notification

As borrowers of a state loan, you are responsible for paying back the loan or applying each year for service cancelation. GSFA reports information about the disbursement, amount and repayment of your loan to the national credit agencies.

• Credit reporting begins at the start of your loan and continues with a monthly status update when your deferment ends (typically 6 months after you graduate or no longer enrolled) through the completion of loan repayment
  • Monthly payment history is reported. While in deferment your payment history will report as In Deferment.
• Accounts without payments made for 60 days are reported to the credit bureau as a late payment. Additionally, if payment is not made at 90, 120, 150 and/or 180 days a report is sent to the credit bureau. Not making your payment on time can impact your credit history and score.
  • Making a late payment does not remove the credit reporting of the fact the payment was not made on time.
  • Making a payment or obtaining a deferment/forbearance for your loan after it has been reported to the credit reporting agencies will not remove the late payment report from your credit history.
• Default (failure to make regularly scheduled payments for a period of 270 days) of your loan will result in a report to the national credit reporting agencies and will affect your credit score, credit history and ability to obtain credit in the future.
  • If you do not make regularly scheduled payments for a period of 270 days while in repayment, your loan will be in default.
  • Your default will be reported to all national credit reporting agencies which will damage your credit score and credit history
  • By Georgia law, your Georgia state tax refund will be taken and applied to your defaulted balance.
• If your loan becomes 330 days delinquent, you will be contacted by Reliant, a collection agency representing GSFA.

Service Cancellation

You may be able to receive credit for eligible service/work in field based on the requirements for the particular state loan you received. To access your specific service cancellation documents, go to the Forms section of Loans.GAfutures.org.

Deferment and Forbearance

State loans offer certain types of deferments and forbearances. To view available options for the type of State Loan you received, go to the Forms section of Loans.GAfutures.org.

Loan Settlement

Borrowers can make a settlement payment on a state loan and have the loan(s) resolved. If you are interested in a settlement, contact Loan Servicing by email at customercare@gsfc.org or phone at 800.505.4732, option #2.