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Eligibility Guidelines (1997-2012)

Eligibility Guidelines (2013+)

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Loan Consolidation

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Direct Lending Servicing (information on your federal loans)

U.S. Department of Education Direct Loan Servicing Center:
Phone: 1-800-848-0979
P.O. Box 5609
Greenville, TX 75403-5609
http://www.dlservicer.ed.gov/

pin.ed.gov/PINWebApp/PINServlet?state=710&locale=en_US
Retrieve your Personal Identification Number (PIN) from the Department of Education

http://www.nslds.ed.gov
Use the PIN to look up your federal student loans in the National Student Loan Data System

studentaid.ed.gov/PORTALSWebApp/students/english/repaying.jsp#05
Repayment information for federal student loans

studentaid.ed.gov/PORTALSWebApp/students/english/difficulty.jsp
Information about deferment and forbearance for FFEL and Direct Loans

www.studentloanborrowerassistance.org/uploads/File/selfpackets/consolidation.pdf
Direct Loan Consolidation Self-Help Packet

http://studentaid.ed.gov/PORTALSWebApp/students/english/loanchecklist.jsp?tab=repaying
Federal Loan Consolidation checklist

http://www.loanconsolidation.ed.gov/
Federal Direct Consolidation Loan Application

College Cost Reduction and Access Act of 2007

www.equaljusticeworks.org/files/ejw_ccraa.pdf
Equal Justice Works CCRAA Overview

www.nasfaa.org/publications/2007/G2669Summary091007.html
National Association of Student Financial Aid Administrators CCRAA Summary

www.law.georgetown.edu/news/releases/documents/Forgiveness_000.pdf
Philip G. Schrag, Federal Student Loan Repayment Assistance for Public Interest Lawyers and Other Employees of Governments and Nonprofit Organizations

ed.gov/legislation/FedRegister/finrule/2003-4/123103a.pdf
Final regulations

Private Loan Information

http://www.annualcreditreport.com    
Check for private student loans, which will not appear in the National Student Loan Data System. Private loans are not eligible for forgiveness.

Student Loan Debt Management

http://www.equaljusticeworks.org/
Detailed information about debt relief and loan repayment assistance including the College Cost Reduction and Access Act – Public Service Loan Forgiveness

www.studentloanborrowerassistance.org
Student Loan Borrower Assistance  

Public Service Loan Forgiveness Program (PSLF) and Income Based Repayment (IBR)

http://studentaid.ed.gov/students/attachments/siteresources/LoanForgivenessMarch18.pdf 
The Department of Education’s fact sheet on Public Service Loan Forgiveness

http://studentaid.ed.gov/students/attachments/siteresources/IBRQ&A_template_123109_FINAL.pdf   
The Department of Education’s Q&A on Income Based Repayment

http://studentaid.ed.gov/students/attachments/siteresources/PSLF_QAs_final_02%2012%2010.pdf       
The Department of Education’s Q&A on Public Service Loan Forgiveness

www.equaljusticeworks.org/files/pslf_ibr_3-09.ppt (Powerpoint)
A Loan Forgiveness Training Tool by EqualJusticeWorks

www.equaljusticeworks.org/files/basic_checklist.pdf
Public Service Loan Forgiveness: Basic Check List

ibrinfo.org
Detailed information about the Public Service Loan Forgiveness program and Income-Based Repayment (IBR)

studentaid.ed.gov/PORTALSWebApp/students/english/IBRCalc.jsp
Federal Student Aid – Income Based Repayment Calculator

http://www.finaid.org/calculators/
FinAid – Various loan repayment calculators 

Other

Excerpt from IRS Publication 970

Federal DIRECT Account Summary - Repayment Plan Sample