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Student Loan Resources

Annual Credit Report 

Use these resources to view a copy of your credit report and/or request your credit score. You should review your credit report annually to check for any errors that could impact your credit. You can also use these resources to identify your private student loan information.

Consumer Financial Protection Bureau (CFPB)

The CFPB is responsible for monitoring consumer financial products and services, including credit cards, mortgages, and student loans. Read reports about relevant issues, participate by sharing your own experiences, or even submit a complaint if you need the CFPB’s help to resolve a dispute.

Defaulted Student Loans 

Review your options for managing your defaulted student loans, including information about consolidation, rehabilitation, and how to stop tax refund offsets or wage garnishment. This is a website of the U.S. Department of Education.

Direct Consolidation Loans Application and Calculator 

This U.S. Department of Education web site provides loan consolidation information to borrowers. Borrowers can use this site to calculate their payments and repayment options when consolidating student loans. Note: this is not where you apply to consolidate a loan.

The official site to apply for a student loan consolidation. This applies to the following loans:

  • Direct Subsidized Loans
  • Direct Unsubsidized Loans
  • Subsidized Federal Stafford Loans
  • Unsubsidized Federal Stafford Loans
  • Direct PLUS Loans
  • PLUS loans from the Federal Family Education Loan (FFEL) Program
  • Supplemental Loans for Students (SLS)
  • Federal Perkins Loans
  • Federal Nursing Loans
  • Health Education Assistance Loans
  • some existing consolidation loans


Complete the Free Application for Federal Student Aid online to check your eligibility for federal financial aid.


If you have tried unsuccessfully to resolve a dispute concerning your student loans and are not satisfied with the resolution, turn to the Federal Ombudsman Group to help.


All past and present student loan borrowers need to establish an FSA ID to access their account information on federal student aid websites. To create an FSA ID, visit You can also retrieve your FSA ID and reset your password via this link.

National Consumer Law Center Student Loan Borrower Project

Find answers to your student loan questions as well as helpful legal resources at this website run by the National Consumer Law Center. The website is Student Loan Borrower Assistance.

Repayment Estimator 

The Federal Repayment Estimator can help you calculate monthly payments on various repayment plans to help you find a manageable repayment option. Top site

Total & Permanent Disability Discharge 

If you can’t repay your student loan debt due to a disability, this section of the U.S. Department of Education website tells you if you could qualify for loan discharge. You’ll also find answers to frequently asked questions, and be able start the application process.

Top site - these sites contain information that is critical to managing your student loans.