PGPresents encourages all borrowers to check out these free resources before hiring anyone to help you manage your student loans.
StudentAid.gov
- Highly recommended site from the United States Department of Education.
- Dashboard that displays all Title IV financial aid (including all federal loans).
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Use the Loan Simulator to:
- Upload your federal loan data to personalize repayment numbers.
- Estimate repayment under all eligible plans.
- Estimate eligibility and payment amounts under Income-Driven Repayment (IDR) plans like PAYE, and REPAYE.
- Estimate impact of changes in income, marital status, tax filing status, and family size on IDRs.
- Online application for Income Driven Repayment Plans (speak with your loan servicer first).
- Direct Consolidation Loan Application and Promissory Note (see Tips on Consolidation on our home page for help with consolidation).
StudentAid.gov/publicservice
- Information on the Public Service Loan Forgiveness (PSLF) program.
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Online PSLF Employment Certification Form.
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Information on PSLF program overhaul announced by Biden Administration in October 2021, available at StudentAid.gov/PSLFwaiver.
adea.org
(for dental students and dental school graduates)
- Highly recommended site for dental students and dental school graduates.
- Look for the “Red Ribbon” then click under Information For Current Students and Residents, then Educational Debt Management Materials.
- Repayment modules on repayment strategies, Income-Driven Repayment plans, Public Service Loan Forgiveness, Federal Consolidation, and refinancing student loans
- Downloadable primers on repayment in PDF format
adea.org/DLOC (for dental students and dental school graduates)
- AAMC/ADEA Dental Loan Organizer and Calculator (DLOC).
- Superb educational debt management tool designed specifically for dental school
students and graduates
- Upload NSLDS data to personalize repayment numbers
- Personalize repayment and forgiveness estimates based on your own career plans, including advanced dental education (residency)
www.AAMC.org/FIRST (for medical school students and residents)
- Highly recommended site for medical students and medical school graduates, including both allopathic and osteopathic disciplines.
- May prove helpful to podiatry and veterinary medical school students and graduates.
- Multiple resources to help you manage your student loans.
- Medloans Organizer and Calculator (MLOC)
- www.AAMC.org/MLOC
- Upload NSLDS data to personalize repayment numbers
- Personalize repayment and forgiveness estimates based on your own residency, fellowship, and career plans.
- Small fee to use if you are not allopathic medicine.
www.irs.gov/publications/p970
- Information on tax benefits for education, including the Student Loan Interest Deduction.
www.annualcreditreport.com
- Only government approved site where you can get a free credit report from each of the three major credit reporting bureaus.
- Your entire student loan portfolio (including any private loans) should be referenced here.
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