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Loan Repayment FAQs

Where can I find my loan history?

National Student Loan Data System (NSLDS) - the U.S. Department of Education's (ED's) central database for student aid and captures your entire federal loan history fed by data from schools, guaranty agencies, the Direct Loan program, and other Department of ED programs. Note: NSLDS does not include any private loans data (talk to your private loan lender directly). You will need your FAFSA PIN to access this site.

Where can I find information on my repayment plan options?

studentaid.ed.gov -the U.S. Department of Education’s gateway for student financial aid . Their site includes detailed information on loan repayment plans, as well as loan consolidation, public service loan forgiveness, deferment and forbearance options.

studentloans.gov  is the primary Department of Education site specific to managing your Direct student loans and also includes similar information on loan repayment plans, consolidation, loan forgiveness, deferment and forbearance.

How do I know who my lender and servicer are?

The National Student Loan Data System (NSLDS) details the lender and servicer for each loan and provides contact information as well.   A servicer is a third party contracted to manage the loan and will be your primary contact in repayment.  A detailed list of all the Direct loan servicers can also be found on StudentLoans.gov.

How can I project my loan payments?

There are several calculators available to help you project which loan repayment plan is most advisable.  Some of the ones we refer students to include:

studentaid.gov - Repayment Estimator helps calculate loan payments for Standard, Extended and Graduated and Income Driven Repayment plans.

studentloans .gov - The new Financial Awareness Counseling lets you not only project repayment plans but also graphs interest vs. principal payments for the life of the loan and allows you to determine which plan works within your personal income and expense projection.
mappingyourfuture.org - calculates both loan repayment and estimated salaries necessary to make those payments

accessgroup.org - provides both a “pick a plan” calculator for federal loans as well as a “simple loan repayment calculators” helpful to determine private loan repayment.  

Loanconsolidation.ed.gov - special calculator to project repayment if you are considering consolidating your loans.

In addition the YLS Financial Aid Office has developed a Loan Repayment Worksheet  which will help you make the most effective use of the above calculators in projecting and comparing loan payment options.

If I have a problem with my loans who should I contact?

For federal loans your first point of contact should be the loan servicer (see contact info above).  In addition the Department of Education maintains a Federal Student Aid Ombudsman Group as a contact of last resort for loan issues/problems.  We also encourage you to contact the YLS Financial Aid Office at anytime during your loan repayment with questions.