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  Financial Aid

Locate/Repay Your Federal Student Loan

 

The National Student Loan Data System (NSLDS) is the United States Department of Education’s database for student aid. NSLDS provides a centralized, integrated view of Title IV loans. It is important to note that title IV loans consist of Federal Stafford subsidized, Federal Stafford Unsubsidized and Federal Perkins loans only.

 

Please log into the National Student Loan Database if you are in need of assistance with locating your federal student loan lender, determining your repayment status, or the total amount in which you have borrowed. You must have your personal identification number (www.pin.gov) to look up your information.

 

There are four different types of repament plans to choose as listed below. It is important to establish repayment terms with your lender as soon as you determine your separation from college.

 

·  Standard Repayment
Principal and interest payments are due each month throughout the loan repayment term.

·  Graduated Repayment
Payments are smaller at the beginning of repayment and step up at specified periods and in specified amounts over the term of the loan.

·  Income-based Repayment
Monthly loan payments are based on a percentage of the borrower's monthly gross income.

·  Extended Repayment
Extended Repayment provides eligible Federal Stafford, and Federal PLUS loans with payment relief through a lengthened repayment term of up to 25 years.

 

Consolidation

With consolidation, you can refinance multiple education loans. The original loans are paid in full and a new loan for the combined balance is originated, for a new term, and often at a new interest rate.