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Student Loan Checklist

This student loan checklist can help borrowers keep track of their loans. Paperwork for each loan should be kept in a separate electronic folder.

 
Student Loan Checklist

Loan #1 Loan #2 Loan #3
Lender/Servicer


Website      
Phone Number    
Payment Address      
Loan ID Number    
Type of Loan ☐ Federal
    ○ Perkins
    ○ Direct Subsidized
    ○ Direct Unsubsidized
    ○ Parent PLUS
    ○ Grad PLUS
    ○ Consolidation
☐ College
☐ Private
☐ Federal
    ○ Perkins
    ○ Direct Subsidized
    ○ Direct Unsubsidized
    ○ Parent PLUS
    ○ Grad PLUS
    ○ Consolidation
☐ College
☐ Private
☐ Federal
    ○ Perkins
    ○ Direct Subsidized
    ○ Direct Unsubsidized
    ○ Parent PLUS
    ○ Grad PLUS
    ○ Consolidation
☐ College
☐ Private
Cosigner/Endorser      
Date Borrowed      
Loan Balance at Repayment      
Interest Rate ☐ Fixed ______%
☐ Variable
    ○ LIBOR + ______%
    ○ PRIME + ______%
    ○ 91-day T-Bill + ______%
    ○ 10-year Treasury + ______%
☐ Fixed ______%
☐ Variable
    ○ LIBOR + ______%
    ○ PRIME + ______%
    ○ 91-day T-Bill + ______%
    ○ 10-year Treasury + ______%
☐ Fixed ______%
☐ Variable
    ○ LIBOR + ______%
    ○ PRIME + ______%
    ○ 91-day T-Bill + ______%
    ○ 10-year Treasury + ______%
Loan Fees ______% ______% ______%
Repayment Plan ______years

☐ Standard
☐ Graduated
☐ Extended
☐ Income-Sensitive (ISR)
☐ Income-Contingent (ICR)
☐ Income-Based (IBR)
☐ Pay-As-You-Earn (PAYE)
☐ Revised Pay-As-You-Earn (REPAYE)
☐ Other
______years

☐ Standard
☐ Graduated
☐ Extended
☐ Income-Sensitive (ISR)
☐ Income-Contingent (ICR)
☐ Income-Based (IBR)
☐ Pay-As-You-Earn (PAYE)
☐ Revised Pay-As-You-Earn (REPAYE)
☐ Other
______years

☐ Standard
☐ Graduated
☐ Extended
☐ Income-Sensitive (ISR)
☐ Income-Contingent (ICR)
☐ Income-Based (IBR)
☐ Pay-As-You-Earn (PAYE)
☐ Revised Pay-As-You-Earn (REPAYE)
☐ Other 
First Due Date ___ / ___ / ___ ___ / ___ / ___  ___ / ___ / ___ 
Monthly or Quarterly Payment $_______________ $_______________ $_______________

Student Loan Repayment Tips

☐ Compile contact information for the servicers of each loan

☐ Contact each lender/servicer to find out when the first payment will be due

    ○ Repayment typically begins 6 or 9 months after graduation

    ○ Add a calendar reminder two weeks before the payment is due

☐ Provide each lender with the borrower’s current postal mailing address and contact information

☐ Choose a repayment plan for each loan

☐ Decide whether loan consolidation is worthwhile (and if so, when)

☐ Record the name of each lender representative and his/her contact information each time a call is made to the lender

☐ Sign up for automatic monthly or auto-debit loan payments

☐ Retain all paper and electronic correspondence from each lender

☐ Borrowers should claim the student loan interest deduction on their federal income tax returns

☐ Before skipping a loan payment, borrowers who encounter financial difficulty should contact the lender to ask about repayment options

Student Loan Consolidation - Apply Today

School Picker Refinance Form
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In order to qualify for private student loan refinancing, lenders require a strong credit score with proof of income and employment history. In some cases a cosigner may be required. Also, if you have adverse credit history, including a prior student loan default*, you may not be eligible. * Default = 270 days late/missed payment on a federal loan and typically 90 days late/missed payment on a private loan(contact your lender for exact definition of default).

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