how can you find your student loan account number

As a student loan borrower, you have certain rights and responsibilities You will need your bank's routing number and your checking account number. We also help financial aid offices serve their students with our online loan Accounts tailored to you, so you can manage your student loans online. My loans. This is a secure website where you can view and manage your ECMC student loan account information. Registering for an online account is free, fast.

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Student Loan Default: What It Is and How to Recover

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Student loan default can feel overwhelming. But if you’ve defaulted, you’re not alone: Within three years of entering repayment, 9.7% of student loan borrowers default, according fffcu henryetta the Education Department.

» MORE:Student loan debt statistics

As part of the first coronavirus relief bill, the government stopped federal student loans from entering default and paused collection activities on those that already had. These protections are in place through Jan. 31, 2022.

During this break, you can get loans back in good standing with options like loan rehabilitation and consolidation. Take action as soon as possible to avoid penalties like garnished wages and seized tax refunds when collection activities resume.

What is student loan default?

Student loan default means you did not make payments as outlined in your loan’s contract, also known as its promissory note. Default timelines vary for different types of student loans.

  • Federal student loans. Most federal student loans enter default when payments are roughly nine months, or 270 days, past due. Federal Perkins loans can default immediately if you don’t make any scheduled payment by tarrant county college logo due date.

  • Private student loans. The Consumer Financial Protection Bureau states that private student loans often default after three missed payments, or 120 days total, but check your loan’s promissory note to know the specific timing. Some private loans default after one missed payment.

What happens before default?

Before federal student loans default, they enter a status known as delinquency. Loans are considered delinquent as soon as you miss a payment, although your servicer won’t report these late payments to credit bureaus until 90 days have passed.

Delinquent federal student loans are eligible for postponements and repayment plans that could make payments more affordable, such as income-driven repayment, deferment and forbearance. You cannot use these options once loans default, so contact your servicer immediately if you fall behind on your payments.

Many private lenders will help you catch up on payments by temporarily lowering your monthly payment or allowing you to pause repayment with a deferment or forbearance.

» MORE:Deferment or forbearance: Which is right for you?

Are your student loans in default?

If you aren’t sure if your student loans are in default, the easiest way to find out is to check with your servicer. If you aren’t sure who that is — or aren’t ready to have a conversation with them about your loans — you have a couple of other options.

  • Log in to All federal student loan borrowers have a My Federal Student Aid account they can access with their FSA ID. Sign in to your account, select a loan and look at its repayment status to see if it’s listed as in default. Your account also includes information about your servicer, if you need it.

  • Pull your credit report. Your credit report will list federal and private student loan defaults under the negative information section. You can get a copy of your report for free once a year at

These resources may not be updated in real-time, so your loan could be in default and not show up as such. Confirming your loan’s status with your servicer is your best bet.

Receiving calls from a debt collector is another sign of student loan default.

Federal student loan holders can place defaulted student loans with a collection agency if you do not make payment arrangements with them. Private student loans are typically considered "charged off," or uncollectible, after 120 days of missed payments and can be sold to a collection agency

Debt collectors are required to follow the Fair Debt Collection Practices Act (FDCPA) when contacting you. If collectors are harassing you over your federal or private loans, you can submit a complaint to the Consumer Financial Protection Bureau. The CFPB also has sample letters you can use when responding to bill collectors.

What happens if you default on student loans?

A student loan default can affect you in many ways. Penalties of default include the following.

To collect on federal student loans, your loan holder can garnish your wages and withhold your tax refunds and other government payments, like Social Security checks.

Private student loan holders can’t take your tax refunds or Social Security payments, but they can take you to court. If they receive a judgment in their favor, they can garnish money from your paychecks or even your bank accounts to pay your defaulted loan.

A student loan default and the late payments that preceded it can remain on your credit report for seven years. This negative mark can make borrowing for a car, home or additional schooling more expensive — or potentially impossible. Default can also hurt your ability to rent an apartment, sign up for a new cell phone plan or even get a job.

Late fees and interest will continue to build on your debt, increasing the amount you owe. You can also be charged costs for the collection of your defaulted loan. These collection costs may be as much as 25% of your loan's balance.

For example, let’s say you owe $30,000 at the time of default. You could have to pay as much as $7,500 in collection costs on top of that $30,000 balance to pay off your loan.

If dr jose rivera have a student loan default, you can’t take on additional student loans or receive other federal aid to return to school.

If you’ve already graduated, your school can choose to withhold your academic transcript until your debt is repaid.

» MORE:How to go back to school with defaulted loans

License suspension laws and enforcement vary greatly from state to state. But if you work in a field like medicine or teaching, your state may suspend or revoke your professional license if your student loans default. This can happen with your driver’s license as well.

One penalty you don’t have to worry about is being arrested or imprisoned for not paying a student loan. However, your lender can sue you to repay your loans. In many states if your lender wins a court judgment against you, you can be arrested for not complying with the court’s order. Don’t ignore a court summons.

» MORE:Can’t pay parent PLUS loans? 4 ways to get back on track

My student loans are in default what do I do?

The Education Department offers three clear ways to recover from federal student loan default: repayment, consolidation and rehabilitation. Each can prevent or halt the consequences of default if you act fast enough; the best one for you will likely depend on your priorities.

If you want to get out of debt entirely


When student loans default, the full amount owed becomes due immediately. If you can afford that, you can pay off your loans and be done with your debt. Of course, that won’t be possible for most borrowers. You may be able to negotiate a student loan settlement for less than you owe, but don’t expect big savings.

Don’t take on a personal loan to pay your student loans — even if they’re in default. Personal loans typically carry higher interest rates than student loans. Explore other remedies that won’t put you in more debt.

If you want to help your credit


Student loan rehabilitation is the best option in most cases because it’s the only one that removes the default from your credit report, though previously reported late payments will remain.

To rehabilitate your loans, you must make nine monthly loan payments within 10 consecutive months. Your monthly payments will be 15% of your discretionary income, or you may request a lower amount.

You can only rehabilitate a student loan once. If you choose this option, make sure you can afford your payments once you how can you find your student loan account number the process, likely by enrolling in an income-driven repayment plan.

If you want to resolve the default quickly or already rehabilitated the loan


Besides paying in full, student loan consolidation is the fastest route to exit default. You can do either of the following to qualify:

  • Make three full, on-time, consecutive monthly payments on the defaulted loan.

  • Agree to repay your new loan under an income-driven repayment plan.

Consolidation may make sense if you have to resolve the default quickly, for instance if you’re returning to school and need access to financial aid. Consolidation will not remove the default line from your credit report.

How to recover from private student loan default

Private student loans don’t come with standard recovery options like federal loans.

Ask your lender about possibilities for getting out of default. It may have options similar to federal loan default programs, or you may be able to negotiate another resolution to repay or agree to a student loan settlement for less than you owe.

If you can’t work something out with your lender, consider contacting a lawyer who specializes in student loans. The private student loan market is especially complicated, so having someone who understands the system, your rights and your options is crucial.

» MORE:Is there a statute of limitations on student loans?

How to find additional student loan help

Legit student loan help organizations won't call, text or email borrowers with offers of debt resolution. Avoid “debt relief” companies that promise immediate student loan forgiveness. If it sounds too good to be true, it usually is.

Here are some vetted student loan help resources to consider for information, advice or both; they are established organizations with verified histories:

Many of these organizations offer advice for free. In some cases, you may need to pay a fee, as with a certified nonprofit credit counseling agency or if you hire an attorney.


What Type of Loan Do I Have?

You must know what type of student loan you have in order to understand your options.  You can use the National Student Loan Data System (NSLDS) to find out what federal loans you have. As of February 2020, the NSLDS site is found on the Department’s How can you find your student loan account number site. There is a large “Log In” button on the right side of the screen that you must use to see your account information (also known as your “dashboard.”). Once you enter your FSA ID, you will have access to a lot of information, including your student aid summary.

You must have a FSA ID to access your loan information. If you do not already have an FSA ID, you can create one by clicking on the “Create Account” button on the site. The Department has posted answers to frequently asked questions (FAQs) about the FSA ID system.

Once you access your loan “dashboard”, you will see an aid summary as well as more detailed information about each individual grant, loan, and aid overpayment. The Department says that the new dashboard will allow you to keep track of your remaining eligibility for Direct Subsidized Loans (Subsidized Usage Limit Applied – SULA) and Federal Pell Grants and Iraq and Afghanistan Service Grants (Lifetime Eligibility Used – LEU). You should also be able to track your progress toward repaying loans and track the number of qualifying payments made toward Public Service Loan Forgiveness (PSLF) if applicable. In addition, the aid summary will include information about your loan servicer and a link to the loan servicer’s website.

You can also call the Federal Student Aid Information Center, 1-800-4-FED-AID, TDD 1-800-730-8913. The Center’s counselors can help you figure out what types of loans you have.

Federal loan promissory notes and applications will state the name of the federal loan program (Stafford, PLUS, Perkins, FFEL, William D. Ford Direct Loan Program, etc.) at the top of your monthly bill, and loan contract.


Federal Loans:

Direct Loan Consolidation Application and Promissory Note 

Federal Direct Loan Master Promissory Note (Subsidized and Unsubsidized) 

Federal Direct PLUS Loan

There is no central data base similar for private student loan information. You should contact your lenders or loan holders to get more information about private loans.  The Consumer Financial Protection Bureau has a private student loan ombudsman and an on-line student loan assistant tool.  The Department of Education also has information about the differences between federal and private student loans.

Most private student loans will have a disclosure statement similar to the information that is included on mortgage loans and car loans. This is because most private loans are covered by the Truth in Lending Act while federal loans are not.  Sample disclosures from the Federal Reserve Board:

Sample Application and Solicitation Disclosure

Sample Approval Disclosure

Sample of Final Disclosure

You can also get information about your student loans by checking your credit report.  Be aware, however, that some loans, particularly older loans, may not appear on the credit report.


Your 1098-E Student Loan Interest Statement has one of the most important numbers we'll give you this year—the amount of interest paid on your student loans in 2021.

Why is this number so important? Because you might be able to deduct some or all of it from your income on your federal tax return, which could reduce the amount you pay in income tax—good news!

Starting January 13, 2022, you can find your 2021 student loan interest paid amount on your 1098-E Student Loan Interest Statement.

What will be different about my tax statement this year?

Because loan payments were not required and interest rates were at 0% during 2021, your interest paid will likely be lower than in previous years.

Furthermore, you will not how can you find your student loan account number a paper version of the tax pirates of the caribbean at worlds end images (in addition to email) if you paid less than $600 in interest in 2021. Most borrowers will receive only an email letting them know when their tax information is available online.

What do I do with my 1098-E?

Image of a blank 2021 1098-E Form. Box 1 is highlighted to show where your student loan interest received by lender amount will be found.

You'll have one 1098-E for each account listed on your Account Summary.

To file your taxes, you don't need a physical copy of your 1098-E. Check with a tax advisor to determine how much of the interest paid on your student loans in the previous year is tax deductible. If you have m fingerhut phone number than home savings and loan credit card account, you'll need to look at multiple statements and add the numbers together for your total deduction. Enter the amount from box 1 into the student loan interest deduction portion of your tax return.

If you want a physical copy of your 1098-E for your records, just print it out from our website. It's as easy as that!

How can I find out how much interest was paid on my loans last year?

The number will be on your 1098-E Student Loan Interest Statement, which you can access by logging in to and selecting My Accounts » Tax Filing Statements. Your 2021 statement will be online starting January 13, 2022.

  • If we have your current email address, we'll send you an email reminder when your 1098-E is available online.
  • If we don't have your email address, we'll send you a letter—unless the interest you paid during 2021 is less than $600. If it's less than $600, you can still access your 1098-E online, but we won't send you a paper copy.

Please note: Because loan payments were not required and interest rates were at 0% during 2021, your interest paid was likely lower than in previous years.

If you definitely want to know when your 1098-E statement is available, check your profile to make sure we have your email address and you're signed up to receive email communication from us. You can verify all your how can you find your student loan account number contact information at the same time, too.

Is there a deadline for interest payments to be included on my 2021 1098-E?

Yes—the interest on payments received by 5:00 p.m. Central time on December 31, 2021 will be included on your 2021 1098-E. Interest on payments received or scheduled after that time will appear on next year's statement.


Interest payments received by 5:00 p.m. Central time on December 31, 2021 are included on us bank fraud department hours 2021 1098-E.


Your 2021 1098-E is available.

1/13/22 - 1/31/22

You'll receive an email reminder or letter how can you find your student loan account number your 2021 1098-E.


2021 tax filing deadline.

Where can I find more information?

How can you find your student loan account number IRS website and Publication 970, Tax Benefits for Education, have more information on how to deduct your student loan interest. You can also complete the Student Loan Interest Deduction worksheet in the Form 1040 or 1040A instructions.

Get in Touch

Have a social account and have a question? Send us a message. We're here to help. You can chat with us walden savings bank florida new york few ways:

You can also log in or visit our Contact Us page to contact a representative.

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Federal Perkins Loan Program
Borrower's Guide

This guide has been designed to inform you of your benefits and obligations under the Federal Perkins Loan Program. When you are no longer attending the SUNY campus that granted your loan(s), or your enrollment drops to less than half-time status, your loan is transferred to the SUNY Student Loan Service Center for billing and collection.

Q: What is the SUNY Student Loan Service Center?

The SUNY Student Loan Service Center (hereafter referred to as the SUNY SLSC) is the central billing and servicing office for the State University of New York state-operated campuses. When you are no longer attending the SUNY campus that granted your loan(s) due to graduation, withdrawal, or a change in status to less than half-time enrollment, your loan is transferred to the SUNY SLSC for servicing. All correspondence and loan payments are to be directed to the SUNY SLSC and not to the campus you attended. Please contact us at:

SUNY Student Loan Service Center
5 University Place
Rensselaer, New York 12144-3440
Phone: (518) 525-2626
Fax: (518) 525-2600
email: [email protected]

Q: Do I have an account number?

The records of the SUNY SLSC td stock canada assigned loan account numbers. Each borrower is assigned a unique 9 digit student identification number which begins with the numbers 898. It is extremely important to include your loan account number on all correspondence to how can you find your student loan account number SUNY SLSC. Unidentified items may result in delayed responses to your inquiries and/or misapplication of payments.

Q: What are the Exit Interview and Repayment Agreement?

All borrowers are required to complete an Exit Interview Questionnaire and Repayment Agreement prior to leaving the campus. This process may be conducted by the Financial Aid or Student Accounts Office, whichever has been designated to perform this task at your campus. If you signed your Perkins promissory note electronically, you have the option to fully complete the exit interview process online.

Q: How can I change my address?

You are required under the terms of the loan agreement to keep the SUNY SLSC informed of any change in your name or address. Leaving a forwarding address notice with the U.S. Postal Service is not considered official notification of a change of address. Failure to properly notify the SUNY SLSC may negatively impact your credit rating if SLSC staff are unable to locate you and service your account.

Q: Is there a repayment grace period?

Once your loan account information is established at the SUNY SLSC, you will be sent a Truth-In-Lending statement confirming your loan information as submitted by the campus. You will also receive periodic reminders during the grace period as to when repayment is due to start. Repayment is required to begin at the end of your initial grace period, which is determined by the regulations in effect at the time the loan was granted. Currently, the grace period is nine months following your separation from the loan-granting campus.

Q: Is there a special military repayment grace period?

If you are in the military reserves, you may qualify for an additional grace period. Under Federal law, the initial grace period excludes any period during which a borrower, who is a member of the reserve component of the Armed Forces named in Title 10, Sec. 10101 of the United States Code, is called or ordered to active duty for more than 30 days. Any single excluded period may not exceed 3 years and includes the time necessary for the borrower to resume enrollment at the next available regular enrollment period. You must contact the SUNY SLSC if you believe you are entitled to this additional grace period.

Q: How do I make my monthly payment?

The interest rate on your Federal Perkins Loan is 5%. Your monthly repayment amount will include the principal and interest needed to repay your original loan amount and the accruing interest over the life of your loan, if payments are received as scheduled. You must pay back your student loan, even if you do not graduate, you do not get a job, home inventory list your education did not meet your expectations. Paying your loan on time will help to build a good credit history, which makes it easier for you to borrow money in the future. The SUNY SLSC will send you a billing statement before the first scheduled chase bank near me open tomorrow is due. Payment can be made by check, money order, credit card or ACH. NEVER SEND CASH. Checks should be made payable to the SUNY SLSC and be sure to enclose the top portion of your monthly billing statement or coupon with your remittance. ACH (Automated Clearing House) offers you the option of having your checking or savings account directly debited for the amount of your payment each month, which facilitates timely loan payment. To make payment by credit card, please go to Payment Options in the Borrower's section of our website.

Q: What is the length of repayment?

Federal Perkins Loans have a maximum ten-year repayment period. A $40 minimum monthly payment is required. The length of repayment is determined by the total amount borrowed, the interest rate, and the repayment amount. Review your promissory note(s), addendum(s), or the Exit Repayment Agreement for your specific repayment terms.

Q: How are late/missed payments and returned checks handled?

If you do not make timely payments, you will face serious consequences including an adverse credit history, referral of your loan to a collection agency, interception of your NY State tax refund and litigation by the New York State Attorney General and/or referral to DOE for collection. Late charges are assessed for all late payments. Mail your payments as early as possible to ensure timely application. Nonnegotiable checks will be charged up to $20 per occurrence.

Q: Can I prepay?

You may pre-pay this loan, make loan payments before they are required, or in amounts greater than required, at any time without penalty. If you wish to accelerate repayment of your loan (repay ahead of schedule) by making payments larger than the amount required, any additional amount remitted on a current account will be applied to the principal unless otherwise noted. Accelerating repayment shortens the repayment term and reduces the total interest you pay.

Q: Can I make advance payments?

If you wish to make advance payments for future installments, you must request this in writing and your payment must be a multiple of your regular monthly payment. For instance, if your current monthly payment is $100 and you would like to make advance payments for the two succeeding months, your payment must equal $300, which is to be applied as $100 for the current month and $100 for each of the two succeeding months.

Q: What is the U.S. Army repayment program?

The U.S. Army offers a loan repayment how can you find your student loan account number for borrowers of a Perkins or Direct Student Loan for service in the U.S. Army, Army Reserves, or Army National Guard. For more information, contact your local military recruiting office.

Q: What are the Perkins Loan limits?

Undergraduate students may borrow up to $5,500 per award year, with an aggregate loan limit of $27,500. Graduate/professional students may borrow up to $8,000 per award year, with an aggregate loan limit of $60,000. For all non-undergraduate and non-graduate/professional students the aggregate loan limit is $11,000.

Q: What are my deferment benefits?

In accordance with the Federal laws governing your loan, you may apply for deferment of repayment during a period in which you are:
  • enrolled and attending as a regular student in at least a half-time course of study at an eligible school
  • enrolled and attending as a care credit synchrony bank contact student in a graduate fellowship program approved by the Department of Education (DOE); engaged in graduate or post-graduate fellowship-supported study (such as a Fulbright Grant) outside the US
  • enrolled and attending a rehabilitation training program for disabled individuals approved by DOE
  • engaged in public service that qualifies for cancellation of the loan
  • seeking but unable to find full-time employment (limited to 3 years)
  • experiencing an economic hardship as determined by the school (limited to 3 years)
  • serving on active duty or performing qualifying National Guard duty during a war ameria other military operation or national emergency

Qualifying members of the U.S. Armed Forces are eligible to receive a 180-day period of deferment following demobilization. Certain members of the Armed Forces are eligible for a 13-month deferment following conclusion of their military service.

Q: What is the post-deferment grace period?

A 6-month post-deferment grace period will follow an approved deferment on your loan.

Q: How do I file for deferment?

Contact the SUNY SLSC for required forms and specific filing information. Many deferment forms must be filed with the SUNY SLSC at least once a year for each year you are in an eligible status. The SUNY SLSC is required by Federal regulations to assess a late charge when forms are not submitted in a timely manner. Failure to file forms in a timely manner is equivalent to not making timely payments and as a result, can negatively affect your credit rating. Visit the SLSC’s website for deferment forms and detailed filing information.

Q: What is forbearance?

Forbearance is a temporary postponement of payments or the acceptance of smaller payments than were previously scheduled. Interest will continue to accrue during any period of forbearance. Forbearance may be requested verbally or in writing, and adequate documentation that supports a financial inability to make payments provided. Forbearance, granted for up to one year at a time, cannot exceed a maximum of three years, collectively.

Q: Are there any special options for low income borrowers?

If you meet specific qualifications as a low-income individual during repayment, the SUNY SLSC may extend your repayment period up how can you find your student loan account number an additional ten years, adjust the repayment schedule to reflect your income, or both. Contact the SUNY SLSC for specific information.

Q: What are my cancellation benefits?

In accordance with the Federal laws governing your loan, a certain percentage of your loan may be cancelled for each year that you are working in an eligible public service field. Check your promissory note or contact the SUNY SLSC for eligibility information and appropriate forms. The public service positions eligible for cancellation are:
  • full-time teacher in a field of expertise where the State education agency determines there is a shortage of qualified teachers
  • full-time teacher in a federally designated low income school or qualifying educational service agency
  • full-time staff member in a preschool Federal Head Start program or in a pre-k or child care program licensed or regulated by the state
  • full-time special education teacher of infants, toddlers or children of youth with disabilities
  • full-time faculty member at a Tribal college or university
  • full-time librarian with a master’s degree in library science employed in a low-income school or public library serving low-income schools
  • full-time speech language pathologist with a master’s degree working exclusively for specified low-income schools
  • full-time qualified professional provider of early intervention services in a public or nonprofit program under public supervision by the lead agency as authorized in Sec. 635(a)(10) of the Individuals with Disabilities Education Act
  • full-time employee of a public or private nonprofit child or family service agency who is providing, or supervising the provision of, services directly and exclusively to high risk children from low-income communities and the families of such children
  • volunteer under the Peace Corps Act or a volunteer under the Domestic Volunteer Service Act of 1973 (VISTA) (limited to 70% total cancellation)
  • full-time law enforcement officer, corrections officer or a lawyer who is employed by a public defender organization
  • full-time nurse or medical technician providing health care services
  • full-time fire fighter servicing a local, State or Federal fire department or district
  • member of the U.S. Armed Forces for service that qualifies for special pay under Sec. 310 of Title 37 of the U.S. Code, in an area of we vibe sync amazon
If you are working in a position which you believe qualifies you for cancellation benefits, you must file a form requesting deferment of repayment at the start of the school or service year. Cancellation forms must then be submitted at the completion of the school or service year. Failure to file forms in a timely manner is equivalent to not making timely payments and can result in late fee assessment and can also negatively affect your personal credit rating. For more information on cancellation benefits, or to obtain a cancellation form, visit the SUNY SLSC’s chas logo 2018 at

Q: What are my death and total disability discharge benefits?

The outstanding loan balance may be discharged in the event of death or permanent and total disability of the borrower. Please contact the SUNY SLSC regarding the death cancellation process. For information on eligibility and filing for total and permanent disability discharge, visit The U.S. Department of Education determines a borrower's eligibility to receive total and permanent disability discharge.

Q: What are the consequences of delinquency and default?

Allowing your account to become delinquent can seriously affect your personal credit rating. Should you default; requests for transcripts will not be honored. Should you attempt to register at another SUNY school, your registration will be blocked and you will not be eligible for any additional Federal Title IV aid, including Federal Perkins Loans, Federal Family Educational Loans, William D. Ford Federal Direct Loans, Federal Supplemental Educational Opportunity Grants (SEOG), Federal Pell Grant, TEACH Grants, and Federal Work Study. If repayment is not made according to the terms of your promissory note, regulations also allow for the referral of delinquent accounts to collection agencies and to an attorney for litigation. You will be held responsible for the entire resulting penalty, collection, and litigation costs as provided in your promissory note. Also, under NYS Tax Law, the SUNY SLSC is entitled to intercept NYS income tax refunds of defaulted borrowers.

Q: How is bankruptcy handled?

Pursuant to the U.S. Bankruptcy Code, education loans, such as Perkins loans, are not dischargeable in bankruptcy unless repayment of the loan will create an undue hardship for the debtor or the debtor’s dependents. In such a case, the debtor can request student loan discharge consideration through an undue hardship petition.

Q: What is loan rehabilitation?

A loan rehabilitation program is available to eligible defaulted Perkins loan borrowers. To successfully rehabilitate a defaulted loan, the borrower must make nine, on time, consecutive, monthly payments in an amount, which will be determined by the SUNY SLSC and/or its agent. After how can you find your student loan account number rehabilitation, the SUNY SLSC will instruct the credit bureau to remove the default from the borrower’s credit history, and the borrower will be afforded the balance of benefits under the original promissory note. A Perkins loan may be successfully rehabilitated only once. Perkins loans which have been litigated are not eligible for loan rehabilitation.

Q: Are debt management strategies available?

To help ensure that you receive all loan information timely, you must notify the SUNY SLSC of any changes in your name, address, phone number or employment situation. Read all information carefully and keep your loan records accurate how can you find your student loan account number organized. Contact the SUNY SLSC immediately if you have trouble making payments. bmo harris business credit card login There may be additional repayment options available to you during times of difficulty. You should develop a budget to help you manage your debt including your student loan payments, credit card debt, and other living expenses.

Q: Can I consolidate my loan?

If you have student loan debt, you may want to contact a lender to consolidate all of your eligible loans into one.
  • Up to 30 years for repayment (depending walmart food delivery service your loan balance)
  • One monthly payment
  • May lower the interest rate on some or all of your loan debt
  • Extending the term beyond the 10 years increases total interest paid
  • Loss of grace period
  • Loss of certain deferment and forbearance options
  • Loss of all Perkins Loan cancellations provisions

Q: What is the U.S. Department of Education's Office of the Ombudsman?

If you are unable to resolve a dispute with the SUNY SLSC concerning your loan, you may contact the U.S. Department of Education's Office of the Ombudsman using the following information:

Via on-line assistance::

Via telephone:
(877) 557-2575

Via fax:

Via mail:
FSA Ombudsman Group
P.O. Box 1843
Monticello, KY 42633


The NSLDS is the U.S. Department of Education's central database for student aid. NSLDS provides you with a centralized, integrated view of all of your Title IV loans and Pell grants. The NSLDS Student Access Website is available 24 hours a day, 7 days a week.

Internet:       Telephone: (800) 4-FED-AID

Q: Can anyone else gain access to my loan information?

Due to various State and Federal laws governing confidentiality of records, we cannot disclose any information about an account to anyone other than google let me search that for you borrower without the express written permission of the borrower.

Q: What if I have further questions?

If you have any questions or need additional information, you may contact the SUNY SLSC by telephone at (518) 525-2626 or by email at [email protected] You may also access the SUNY SLSC’s website at


Why Do I Have So Many Student Loans on My Credit Report?

To avoid credit report surprise, take some time to review all the information you have about your student loans. A student loan audit might seem like a pain, but spending a little time now may save you a lot of frustration later.

The National Student Loan Data System (NSLDS) is an important tool you can use to track your student loans. It has key information about your federal student loans, including the loan amounts, interest rates and account statuses. One crucial section for every loan is the servicer contact information. This lets you know where you should make payments. If you’re still in school and have questions about your student loans, you can also talk to a financial aid officer. They’re there to answer questions you have about the details of your financial aid package.

If you don’t already, start keeping all letters about your student loans. If you have a new servicer or a different lender purchases one of your loans, you’ll get a letter in the mail letting you know about the change. This paper trail will help you stay on top of your loans so you can keep making your payments on time.

If you complete the review of your student loans and still think an account or piece of information on your credit report is inaccurate, you may want to reach out to the lender directly. They’ll have more information about the specifics of your account. You can also submit a dispute online. Disputing online with TransUnion is fast, easy and free, and it won’t impact your credit score.


Direct Loan Information

SNHU participates in the Federal Direct Loan Program. Direct loans are fixed-rate student loans for undergraduate and graduate students attending college at least half-time. Federal Direct Loans are the most common type of financial aid to first premier bank collections phone number with paying for school.

Direct Loans are available to eligible students who file a valid FAFSA. Please review your SNHU Financial Aid award letter for the amounts you qualify for. For more information on terms and interest rates, please visit the Federal Student Aid website.

Subsidized and Unsubsidized Direct Loans

Subsidized Direct Loans are awarded based on financial need. With a Direct Subsidized Loan, the government pays the interest on the loan while the student is in school and during the six-month grace period. First-time borrowers taking out federal Direct Subsidized Loans on or after July 1, 2013 are subject to the 150% Direct Subsidized Loan Limit, which limits the amount of time a student is eligible first national bank of alaska fairbanks borrow subsidized loans to 150% of their published program length.

Unsubsidized Direct Loans are loans with interest that is not paid by the government. The borrower is responsible for the interest on an unsubsidized loan from the date the loan is disbursed, even while the student is still in school. Students may defer paying the interest while they are in school by capitalizing the interest, which increases the overall payoff amount of the loan.

Direct Loan Borrower Requirements

First-time Direct Loan borrowers must complete the following requirements before a loan disbursement will be applied to his/her student account:

  • Complete Entrance Counseling online which helps you learn about a Federal Direct Loan, how the process works, how to manage your education expenses, and understand your rights and responsibilities as a borrower.
  • Complete the Master Promissory Note (MPN) which is a legal document in which you promise to repay the amount borrowed and any accrued interest to the U.S. Department of Education. It also explains the terms and conditions of your loan(s). Review a sample MPN to fully understand the terms and conditions of the Direct Loan as well as borrower responsibilities. SNHU uses the multi-year MPN which means students can borrow additional Direct Loans on a single MPN for up to ten years.

Borrower Rights and Responsibilities

As a Federal Direct Loan borrower, you have the right to:

  • Receive a copy of your promissory note before or after the loan is made.
  • Receive a disclosure statement, including information about interest rates, fees, loan balance, and the size and number of payments, before repayment of your loan begins.
  • Benefit from a grace period or deferred payment on certain loans after you leave school or drop below half-time enrollment, before your payments begin.
  • Prepay all or part of your loan without a prepayment penalty.
  • Choose from among several repayment options and periodically change your repayment plan, if necessary to obtain an affordable loan payment.
  • Receive written notice if your loan is sold to another lender.
  • Apply for a deferment (if eligible) of your loan payments for certain specified periods.
  • Request forbearance from your lender/servicer everything i do i do it for you official video you're unable to make payments and don't qualify for a deferment.
  • Receive proof when your loan is paid in full.

As a Federal Direct Loan borrower, you are responsibility for:

  • Repaying your loan, including accrued interest and fees, regardless of whether you complete your education, complete your program of study in the normal period allowed for program completion, obtain employment, or are satisfied with your education.
  • Completing exit counseling before you leave school or drop below half-time enrollment.
  • Notifying your lender/servicer within 10 days if you change your name, address or phone number; drop below half-time enrollment status; withdraw from school or transfer; or change your graduation date.
  • Directing all correspondence to your lender/servicer, which could change during the life of the loan.
  • Making monthly payments on your loan after leaving school, unless you are in your grace period or have been granted a forbearance or deferment.
  • Informing your lender/servicer of anything that might change your eligibility for an existing deferment.

Annual Borrowing Limits

Annual borrowing amounts are defined by an academic year and based on cumulative credits earned toward a specific degree program.

YearDependent StudentIndependent Student
Freshman (0-29 undergraduate credits)$5,500 ($3,500 subsidized max)$9,500 ($3,500 subsidized max)
Sophomore (30-59 undergraduate credits)$6,500 ($4,500 subsidized max)$10,500 ($4,500 subsidized max)
Junior and Senior (60 or more undergraduate credits)$7,500 ($5,500 subsidized max)$12,500 ($5,500 subsidized max)
Graduate Student
$20,500 (unsubsidized only)

Lifetime Borrowing Limits

Direct Loan limits are defined by the government and dictate how much direct loans a student may borrow.

Student TypeLifetime Borrowing Limit
Dependent Undergraduate Student$31,000 ($23,000 maximum in subsidized loans)
Independent Undergraduate Student$57,500 ($23,000 maximum in subsidized loans)
Graduate Student$138,500 ($65,500 maximum in subsidized loans)

Responsible Borrowing

You should always borrow what you need to assist with the cost of education and not just the amount that is awarded. After you receive your award letter, if you find that you do not need all of the loans you qualify for to cover the current years tuition and expenses, then make sure to reduce or cancel loan amount(s) not needed. This will reduce your overall student debt when you enter repayment. To revise a loan award, please follow the procedure outlined in your award letter notification.

Direct Loan Instructions:

Students are required to sign a Master Promissory Note (MPN) and complete online Entrance Loan Counseling (ELC) before receiving a Direct loan.

If you are a first-time Direct Loan Subsidized and/or Unsubsidized borrower:

Step 1: Complete Entrance Counseling session

  • Go to
  • Log in to your account (or create a new account) using your FSA ID.*
  • Select "Undergraduate Students" dropdown
  • Choose 'Complete Entrance Counseling'
  • Follow the instructions to complete Entrance Counseling.

Step 2: Complete a Master Promissory Note (MPN)

  • Go to
  • Log in to your account (or create a new account) using your FSA ID.*
  • Select "Undergraduate Students" dropdown
  • Choose 'Complete Loan Agreement for a Subsidized/Unsubsidized Loan (MPN)'
  • Follow the instructions to complete the Master Promissory Note.

*If you do not remember your FSA ID, you can access it online at

Exit Counseling

After you graduate, drop to a less than half time status, or are no longer enrolled, you are required to complete exit counseling. Exit counseling prepares a borrower for repayment by reviewing borrowing history, identifying loan servicers, forecasting monthly payment schedules, identifying repayment plans, and provides strategies for successful repayment. You can complete this counseling requirement online by:

  • Going to
  • Log in to your account using your FSA ID.*
  • Select "Undergraduate Students" dropdown
  • Choose 'Complete Exit Counseling'
  • Follow the instructions to complete Exit Counseling

National Student Loan Data System (NSLDS)

The National Student Loan Data System (NSLDS) is the U.S. Department of Education's online database for federal student loan borrowers. NSLDS receives data from schools, loan guarantee agencies, the Direct Loan program and other Department of Education programs. This online resource allows you to be an educated borrower by providing loan types, loan amounts, loan servicers, and disbursement dates. These details are the first steps in determining the repayment plans that is right for you to successfully manage your debt.


Repayment for Federal Direct Loans begins six months after you graduate, withdraw, stop attending, or your enrollment status is less than half-time. The standard repayment term is ten years and the interest rate may vary depending on the type of Direct Loan and the disbursement date.

Please review this sample repayment schedule to provide insight into loan repayment under the standard repayment plan. This chart is for estimating purposes only.

Visit the Federal Student Aid Site to learn more about the following repayment plans and deferment/forbearance options depending on the type of Federal student loan borrowed:

  • Repayment plan options include Graduated, Extended, Revised Pay As You Earn (REPAYE), Pay As you Earn (PAYE), Income-Based Repayment (IBR), Income Contingent Repayment (ICR), and Income Sensitive Repayment Plan.
  • Deferment options include enrollment in graduate fellowship or approved rehabilitation training programs, unemployment, economic hardship- service in the Peace Corps,- and active military service.
  • Discretionary forbearances include financial difficulties, medical expenses, change in employment and how can you find your student loan account number reasons acceptable to your loan servicer.
  • Mandatory forbearances include service in a medical or dental internship, residency program, qualified teaching, national service award recipient in AmeriCorps, and activated members of the National Guard.

Loan Servicer

A loan servicer is a company that handles the billing and other services on your federal student loan. Your loan is assigned to a loan servicer by the U.S. Department of Education. The loan servicer will provide regular updates on the status of your Direct Loan, work with you on repayment plans, loan consolidation, and will assist you with other tasks related to your federal student loan. It is important to maintain contact with your loan servicer. If your circumstances change at any time during your repayment period, your loan servicer will be able to help. For more information about loan servicers, visit the Federal Student Aid Site.

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