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. Top site

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.

Direct Consolidation Loans 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. Top site

Direct Loan Consolidation  -

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.

Federal Ombudsman –

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.


In 2015, the FSA ID replaced the federal PIN, or FAFSA PIN. All past and present borrowers will need to establish an FSA ID to access their account information on federal student aid websites. To create an FSA ID, visit

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.

National Student Loan Data System (NSLDS) –

Find out how much you owe, who you need to pay and important details about your loan types, such as whether they are subsidized or unsubsidized. Top site

Private Student Loan Consolidation –

Find a list of lenders that offer private loan consolidation or refinancing, which could allow you to qualify for a better interest rate or a longer repayment term.

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 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.

U.S. Department of Education Calculators and Interest Rates - Find the interest rates for your loans by type of loan and disbursement date. Also view and use various repayment calculators. Top site

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