Student Loans

As part of the Federal government response to the COVID-19 pandemic, payments on certain types of Federal loans will be suspended. See the Student Loan section on the Tools for Managing Your Finances During the COVID-19 Pandemic page. But first, follow the instructions below to determine, What Type of Loans Do I Have?

You can download a PDF file of the PowerPoint slides from this workshop. It will help you make decisions about loan consolidation, choosing the best repayment plan for you, and healing a loan that is in default.

General resources

These are your “go-to” sources for information about student loans. Use the search tools to find answers to your questions.

What Type of Loans Do I Have?
  • All of your Federal loans – except for PLUS loans in the parent’s name – will be listed in your account at
    • Enter your username and password and select LOG IN if you already have an FSA ID. If you do not have an FSA ID, select the Create An FSA ID tab.
    • For each loan, you will see the type of loan, the amount, the date of the loan, how much money you received, how much of that amount is still owed, and any unpaid (outstanding) interest. Click on the # by each loan to see additional details, including the name and contact information for your loan servicer and lender, and the current and previous statuses of your loan
  • If additional loans appear on your credit report, those will be private loans. Check your report from all three major credit reporting agencies at
Private Loans
Perkins Loans
Comparing Repayment Plans
  • For an overview of the various repayment plans, scroll down to the chart at
  • Use the Repayment Estimator to compare the monthly payments & interest you will pay for each plan at
    • Log in with your FSA info to use actual loan info or click Proceed to enter loan info manually or use national averages.
    • Click each loan to see the plans for which it qualifies. Switch the loan type to “Consolidated” to see if that gives you more options.
    • This page is designed for borrowers who have not yet made payments on their loans. If you are already making payments on your loans, your loan servicer should be able to give you more correct, current information about your options.
Loan Consolidation
Deferment and Forbearance
Difficulty making loan payments
Loan forgiveness, discharge, and cancellation
Getting Out of Default
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