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Resources & Links

Helpful Resources to Prepare for Student Loan Repayment

Loan Forgiveness

There are various loan forgiveness programs that are available for borrowers who meet certain criteria and circumstances.

Fresh Start

This initiative aims to assist delinquent and defaulted borrowers as they enter back into repayment in good standing.


The Office of Federal Student Aid's (FSA) "Repaying Your Loans" Booklet

This resource outlines information related to the repayment of federal Direct Loans, Perkins Loans, and FFEL loans.


One-time Federal Student Loan Debt Relief

Learn more about the Biden Administration’s Debt Relief program that will provide relief of up to $20,000 to borrowers if they meet certain criteria, and view timely updates to the program.


Income-Driven Repayment (IDR) Plans

Learn more about the four available IDR plans that determine your monthly student loan payment based on your income and family size.

Student Loan Deferment and Forbearance

Deferment and forbearance are options that allow borrowers in short-term financial distress to temporarily stop making payments.


Public Service Loan Forgiveness (PSLF)

The PSLF program is for borrowers working in public service who are employed by qualifying employers and meet the criteria to receive forgiveness.


Student Loan Delinquency and Default

Federal student loans become delinquent when a borrower misses a payment. A loan may go into default if the borrower does not make a payment in a certain amount of time. FSA outlines delinquency/default
and actions borrowers can take if they believe their loans were mistakenly put in default.

Helpful Links

  • : ۰ı's Federal School Code is 002873.
  • : The credentials with which students, parents and borrowers authenticate their identity to access their federal informatin online and electronically sign Federal Student Aid documents.
  • This site gives a broad overview on topics such as how to apply, eligibility, telephone numbers and grants and loans.
  • : Federal Student Aid, a department of the US Deptartment of Education webinars/videos are a great resource to help you understand and guide you through the financial aid process.
  • : This site gives you information on how to consolidate your loans.
  • A national search engine for scholarships that match a student's area of interest.

  • This is New York State's homepage, which provides information about Grants and Scholarship programs.
  •  Financial Aid is covered from A to Z at this site.
  • Sponsored by the U.S. Department of Education, this site allows students access to information about any Title IV aid (financial aid)including loans they have received.

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