Student Loan Consolidation, Student Loans, Federal Consolidation Loans and Graduate Loans

Federal Consolidation Loans

Financial Aid

To apply for Federal student financial aid, including the campus-based Perkins Loan, and to apply for many state student aid programs, students must complete a Free Application for Federal Student Aid (FAFSA). The information you provide on your FAFSA determines if you are eligible for financial aid.

FAFSA Application (Free Application for Federal Student Aid)

Private Consolidation Loans

GRAD PLUS Loans

PLUS Loans

Stafford Loans

Schools

Marketing Collateral Order Form

Student Loan Deferment Forms

A deferment is a period in which repayment of the principal balance is postponed. During a deferment, if your student loan is subsidized, the government pays the interest charged.

There a number of student loan deferment options, based on specific circumstances. You must re-apply every six (6) months for deferments, using a valid deferment form.

Download these free deferment forms as needed.*

*NOTE: The White House Office of Management and Budget [OMB] has authorized the continued use of all Spanish-language deferment forms beyond their September 30, 2005 expiration date. While you can be assured these forms may be valid, we will provide updated Spanish-language deferment forms as soon as they become available to us.

Economic Hardship Deferment En español	You must receive federal or state public assistance or earn less than a federal minimum wage or exceed a federally defined debt-to-income ratio to receive this deferment.
Education-Related Deferment En español	You must be in a graduate fellowship; receiving rehabilitation training; in an internship or residency program; or teaching in a designated Teacher Shortage Area.
In-School Deferment Request En español	You must be enrolled at an eligible school on at least a half-time basis.
Parental Leave/Working Mother Deferment Request En español	A deferment for those who are pregnant or caring for a newborn or newly adopted child; must not be working full-time or attending school; must have been enrolled in school at least half-time during the six months preceding the requested deferment period; and must meet other conditions.
PLUS Borrower with Dependent Student Deferment Request En español	A deferment for borrowers whose dependent student for whom they borrowed a Federal PLUS loan is attending school on at least a half-time basis, or is in a full-time rehabilitation program.
Public Service Deferment Request En español	You must be serving full-time as an officer in the Commissioned Corps of the Public Health Service and meet other conditions.
Temporary Total Disability Deferment Request En español	You must be unable to work and earn money or go to school for at least 60 days in order to recover from an illness or injury or care for a spouse or dependent with an illness or injury. The condition cannot have existed before you applied for the loan(s).
Unemployment Deferment Request En español	You must be seeking but unable to find full-time employment (more than 30 hours per week) that is expected to last at least 3 months.

Forbearance Forms and Student Loan Forbearance

Forbearance is a temporary postponement or reduction of student loan payments, based on financial hardship during repayment period, for a specific limited time. You are charged interest during forbearance.

Our Educated Student Loan Counselors can help you answer any forbearance question you may have. We encourage you to call us at 1-800-XXX-XXXX.

Child Care Provider Forgiveness Forbearance Form

En español

This program is designed to help encourage students to enter the child care field. If you are a child care provider, a portion of your FFEL or Stafford loan may be forgiven.

Teacher Loan Forgiveness Forbearance Form

En español

If you are pursuing or already in the teaching profession, you may receive forgiveness on your student loans.

Loan COnsolidation forms