Federal Loan Resources

National Student Loan Data System (NSLDS)
Log in to view all your loans.

StudentLoans.gov
Learn about your loans, finish your counseling, and more.

Federal Student Aid
Get all the information you need to manage repayment.

Repayment Estimator
Estimate monthly payments and evaluate payment options.

Federal Direct Student Loan 2016-2017 Interest Rates

Federal Direct Student Loan 2015-2016 Interest Rates

Log In to Your Account


  • Make a payment
  • Sign up for Auto Pay
  • See repayment plan eligibility
  • Postpone payments
  • Upload documents securely
Sign up for eDelivery

Log In – Select Profile to edit email permissions.

 
 

Types of Student Loans1

You may have one or more student loans and each may be a different type. It’s important to know which you have as interest is charged differently for each and late fees may or may not be assessed.  Repayment plan eligibility also depends on the type of loan you have.

Learn more about federal student loans on the Federal Student Aid website

Log in to the National Student Loan Data System (NSLDS) to see your student loans


William D. Ford Federal Direct Loan Program

Lender: U.S. Department of Education

Late fees: Not assessed at this time

Direct Subsidized Loans – For undergraduate students, no interest is charged while you are in school at least half-time and during deferment periods.

Direct Unsubsidized Loans – For undergraduate, graduate, and professional degree students, interest is charged on unsubsidized loans during all periods.

Direct PLUS Loans for Parents – For parents of dependent undergraduate students, interest is charged during all periods. The parent is the primary borrower.

Direct PLUS Loans for Graduate Students – For graduate and professional degree students, interest is charged during all periods.

Direct Consolidation Loans – For borrowers who want to combine their eligible federal student loans into a single loan.

Private Student Loans

Note that not all private loans offer forbearance and deferment options.

Lender: A bank or credit union

Late fees: Assessed

Private loans are primarily used to help students cover school costs above and beyond a federal loan. Unlike federal loans, private loan eligibility requirements, interest rates, and terms vary from lender to lender. Other key differences include:

  • Payments may be required while you are in school and during grace/separation and deferment statuses.
  • Interest rates may be fixed or variable, and if it’s variable it may go up.
  • Private loans are not subsidized and interest is charged during all periods.
  • The interest may not be tax deductible.
  • Private loan deferment and forbearance options may be limited — contact Navient and your other loan servicers to find out what options are available.

Federal Family Education Loan Program (FFELP)

**Note: FFELP was discontinued in 2010**

Lender: A bank or credit union

Late fees: Assessed

Federal Stafford Subsidized Loans – For undergraduate students, no interest was charged while you were in school at least half-time and during deferment periods.

Federal Stafford Unsubsidized Loans – For undergraduate, graduate, and professional degree students, interest was charged on unsubsidized loans during all periods.

FFELP PLUS Loans for Parents – For parents of dependent undergraduate students, interest was charged during all periods.

FFELP PLUS Loans for Graduate Students – For graduate and professional degree students, interest was charged during all periods.

FFELP Consolidation Loans – For borrowers who combined their eligible federal student loans into a single loan.

Health Education Assistance Loan (HEAL) Program

**Note: The HEAL Program was discontinued in 1998**

Lender: Various non-federal entities

Late fees: Assessed

The federal Health Education Assistance Loan Program (HEAL) provided insurance for loans made by participating lenders to eligible graduate students in medical and health-related fields.