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Eligibility Guidelines (2013+)

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Loan Consolidation

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Contact Us

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
www.direct.ed.gov/

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

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/wp-content/uploads/2013/05/self-help-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/sites/default/files/ejw_ccraa.pdf
Equal Justice Works CCRAA Overview

www.law.georgetown.edu/news/documents/Forgiveness.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

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

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)

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

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

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/sites/default/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