Loan Features and Services

Calculators

We provide a list of calculators that can help with managing your loans.

Consolidation

Loan consolidation involves combining several student loans or parent loans into one single loan held by one loan servicer.

Deferment and Forbearance

Loan features that potentially allows the student to temporarily reduce or postpone the repayment of student loans.

Entrance and Exit Counseling

On-line processes required for completion by all first time Federal Stafford Loan or Federal Graduate PLUS loan borrowers.

Federal Loan Servicers

An agency that helps a borrower to handle billing and other services during repayment of federal education loans.

Interest Rates and Origination Fees

Interest rates - amounts charged to a borrower for the privilege of using the lender’s money.
Origination fees - fees assessed by lenders to help offset the cost of processing the loan.

Promissory Notes

A legally binding document in which the borrower agrees to repay the loan and any accrued interest and fees. The document also explains the terms and conditions of the loan.

Repayment

Details regarding the repayment of educational loans, once a student graduates or is no longer enrolled at least half-time.

Tracking Your Loans

Information for borrowers on how to track Educational loans; Federal or Private.