1. Make a list of all of your outstanding student loans Federal Student Loans A list of all of your federal student loans is available in the National Student Loan Data System (NSLDS) which is the Department of Education’s database for student federal financial aid records. All borrowers can access their student loan records online by visiting the NSLDS website. This database will help you to keep track of your loan balances, loan interest rates, and the status of each loan. You can also find out the lender/servicer for each loan and their contact information. NSLDS lists all of your federal Subsidized and Unsubsidized Stafford Loans, Graduate PLUS loans, and Perkins Loans taken out for each school year of undergraduate school, graduate school, and law school. You may see different names listed for the Stafford or Graduate PLUS Loan, i.e. the Federal Family Education Program (FFELP) and the Federal Direct Loan Program. FFELP is the government guaranteed student loan that was offered through individual banks and lending agencies from 1965 until 2010. The Federal Direct Loan Program is the Department of Education's student loan program that became the sole government-backed loan program in the United States when FFELP was discontinued. Any federal loans you borrowed prior to July 2010 while attending Temple were borrowed through FFELP, and federal loans borrowed after July 2010 were borrowed through the Federal Direct Loan program. Recent graduates may find that they have loans from both programs, and should consider consolidating their loans through the Direct Loan program to help simplify the repayment process and also make them eligible for more repayment plan options. Perkins Loan The Perkins loan is a federal loan with a fixed interest rate of 5%. Your school is the lender for the Perkins loan and any questions or concerns about the repayment of the loan should be addressed to school from which you borrowed the loan. Perkins loans borrowed while attending Temple are handled by the university department of credit and collections, www.temple.edu/bursar, 215-204-5549, and Perkins loans payments are serviced by ACS, www.acseducation.com. The Perkins loan has the benefit of partial and full loan cancellation for borrowers employed in certain types of public service or law enforcement (includes District Attorney). The amount cancelled depends on the field and the length of service. Private Student Loans Private student loans, including bar loans, are credit-based student loans that are offered through banks and other lenders. These loans are not listed on NSLDS. You will need to contact the lenders directly for information about private loans. Most banks and lenders provide online access to your loan information.