Emerson College

Information on Repaying Student Loans

You can easily obtain information concerning repayment of current and past student loans from the web sites below:

  • The Beginning: To determine how much federal student loan debt you have and who you need to repay, begin by registering for your Federal PIN number and log on to the National Student Loan Data System . (Click on Financial Aid Review to get started.)   This federal database will give you details on your federal student loan borrowing.  This database does not keep track of any alternative loans you may have borrowed (for example: Sallie Mae Signature Loans).
  • If you borrowed your loans through Sallie Mae, check out Sallie Mae concerning your existing Federal Stafford Loan(s) and Signature Loans. 
  • If you borrowed your loans through Nelnet, check out https://www.nelnet.net/accounts/login.asp concerning your existing Federal Stafford Loan(s). 
  • If you borrowed Stafford Loans from Emerson prior to 1998, you most likely borrowed through the Federal Direct Loan program.  Go to the Online Direct Loan Servicer. While there, learn more about the benefits of consolidation.

DON'T DEFAULT!  Helpful hints for repaying your loans.

  • Read All Mail
  • Keep a file of all your student loan documents
    • Keep a copy of your promissory note(s), disclosure statements, and paid-in-full notices.
    • Put in copies of all correspondence you send and obtain mailing receipts.
    • File your detailed notes of all conversations you have with the holder of your loan.
  • Know your Rights and Responsibilities
  • Communicate with your Servicer.  The Servicer is the agency that is actually collecting your loan payments.  They may or may not be the lender you actually borrowed your loan from.  Example:  Sallie Mae is a servicer, Citizens Bank is a lender.
    • Put your loan ID number on all correspondence.
    • Report changes in enrollment status, permanent home address, name or anything else required by your note .
    • If you are having financial hardship call to ask for HELP!
  • Call Your Lender with any question or comment relevant to your loan.