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Loan Features & Services


Resources to help calculate expected repayment amounts and interest payments based on various repayment scenarios. Visit loan calculators to learn more.


If you have loans with multiple Stafford Loan servicers, consolidation may be an option for you. Visit loan consolidation to learn more.

Deferment and Forbearance

Options available during repayment if you are having difficulty making monthly payments. Visit deferring loans to learn more.

Delinquency and Default

When a loan payment is late, the loan becomes delinquent and may go into default. Visit Delinquency and Default to learn more.

Direct Loan Repayment Calculator

Determine expenses and income in order to create a budget for college using the FSA Direct Loan Repayment Calculator.

Entrance & Exit Counseling

Borrowers must complete entrance counseling before receiving their first loan and exit counseling when preparing to leave Iowa State University. Visit entrance and exit counseling to learn more.

Federal Loan Servicers

Borrowers in the Federal Direct Loan Programs will be assigned a loan servicer to assist in managing loan repayment. Visit federal loan servicers to learn more.

Interest Rates and Origination Fees

Interest rates and origination fees are assessed differently on each type of federal student loan. Visit interest rates to learn more.

Promissory Notes

A promissory note is a legal document in which a borrower agrees to repay the loan including any interest and fees. Visit promissory note to learn more.


Education loans will be repaid once the student graduates or ceases to be enrolled at least half-time. See monthly loan repayment and accrued interest estimates, or use the Direct Loan Repayment Calculator to estimate the total cost of a loan.

Tracking your loans

Resources available to keep track of borrowing. Visit tracking your loans to learn more.

Additional Information