LOCATE ALL STUDENT LOANS & SERVICERS
Whether you are still in school or have started to repay your loans, your starting point should be to identify ALL of your student loans.
FOR FEDERAL LOANS
- Go to studentaid.gov
- If you have already established an FSA ID (you would have used this to sign your FAFSA) you will log in using your Username (or verified email address) and password. If you do not have an FSA ID, you will need to create one.
- This site will show your student loans, the loan types and also tell you which company services each loan. You need to select each loan to see this information.
FOR PRIVATE LOANS
Find your non-federal (private) loans by contacting your school’s financial aid office or by pulling your credit report. You get one free credit report each year. You’ll have to ask the company that holds the private loan about your repayment options.
IN REPAYMENT TIPS
KNOW YOUR OPTIONS
Understanding your options can help you manage your loans so you are more likely to successfully repay them.
CREATE A BUDGET
The best way to be financially responsible is to create a realistic budget – then stick to it. We can help.
IN SCHOOL TIPS
ESTIMATE YOUR FUTURE INCOME
Get an idea of what you’re likely to earn when you’re finished with school. Then use this information to create a realistic budget (see below).
CREATE A BUDGET FOR YOUR FUTURE INCOME
Once you have an estimate for your likely future income, use this calculator to plan how to pay for your loans, rent and other items so you don’t outspend what you make.