We recommend that you research all of the free government programs available to you and apply to the best one that fits your situation. Keep in mind that many government programs have monthly or yearly requirements that you must meet in order to stay in them. We help people every day get enrolled in the right program, so if you are not confident or do not have the time to apply to the correct Student Loan program yourself, give us a call at (800) 990-9146.

Official Website for Federal Student Aid
Glossary of student debt related terms
About Interest Rates and Fees

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NSLDS Student Access of your Financial Aid History

The National Student Loan Data System (NSLDS) is a centralized database that stores information on all U.S. Department of Education loans and grants. NSLDS also contains borrowers’ school enrollment information. Borrowers can access this information online using their Department of Education PIN.

The Student Loan Fairness Act (H.R. 1330)

The proposed Student Loan Fairness Act (H.R. 1330) legislation will be a combination of two bills from The Graduate Success Act (H.R. 5895) and the 112th Congress, Rep. Hansen Clarke’s Student Loan Forgiveness Act (H.R. 4170). This legislation would add to the public service workforce by rewarding students who enter public service professions and work in underserved communities with a reduced period for loan forgiveness, as well as combat high interest rates of private and public loans by capping federal interest rates at 3.4% and allowing eligible borrowers whose educational loan debt exceeds their income to convert their private loan debt into federal Direct Loans, then enrolling their new federal loans into the 10/10 . Borrowers would also benefit because the amount of interest that could capitalize while they were repaying their loans in the plan would be limited to 10% of their original principal balance.

The Student Loan Fairness Act would establish a new “10-10” standard for student loan repayment as the new standard repayment plan. In the “10-10” plan, an individual would be required to make ten years of payments at 10% of their discretionary income, after which, their remaining federal student loan debt would be forgiven.

The Student Loan Fairness Act also helps student borrowers who have fallen on difficult times. The bill seeks to ensure that no one will be pushed into poverty because of illness or loss of their job and extends interest-free deferments to unemployed borrowers of unsubsidized federal student loans and those enrolled in the “10-10” repayment plan. It also seeks to replace the current, 10 year “Standard Repayment Plan” for the full amount of the loan balance with the “10-10” plan as the default repayment option for borrowers entering repayment.

The final component of the legislation promotes financial responsibility in higher education and incentivizes students to be mindful of educational costs and for colleges and universities to control tuition increases by limiting the forgiveness available to new borrowers on or after the enactment of the Student Loan Fairness Act.

Student Debt In The News

Nearly 400,000 Disabled Borrowers May Have Student Loans Forgiven
April, 2016

Student Debt Hits Parents and Kids with One-Two Punch
October, 2015

Donald Trump accuses the government of profiting off student loans
September, 2015

What Makes Student Debt so Stressful? Feds Want to Know
June, 2015

If payday loans are horrible, what about federal student loans?
May, 2015

The Examiners: Student Debt Could Be Next Bubble, But Shouldn’t be Addressed by Bankruptcy Reform
May, 2015

State Budget Squeeze Pushes Students Deeper Into Debt
May, 2015

Burdened with Record Amount of Debt, Graduates Delay Marriage, October 2014

Treasury official calls upturn in late and defaulted student debt ‘troubling’, September 2014

Is student loan debt hurting the housing recovery?, September 2014

Student Loan Debt Can Lead to Poorer Health, Middle-Age Malaise, August 2014

Grieving parents hit with $200,000 in student loans, July 2014

Student Loan Interest Rates Are Set to Rise, July 2014

Student debt crisis crushes college dream, June 2014

Student loan debt is millenials’ biggest economic threat, June 2014

Student loans to cost more this fall, May 2014

Is Student Loan Debt Dangerous to the Economy?, May 2014

For Some Student Borrowers, Co-Signer Death Brings Nasty Shock, April 2014

BillMoyers.com - Tackling Student Debt and the Privatization of Education, March 2014

The Courant - Bankruptcies Should Cover Student Loans, Too, March 2014

Forbes - Student Loan Interest: Compounding the Problem, March 2014

The Washington Post - Student debt may hurt housing recovery by hampering first-time buyers - February, 2014

The New York Times - The Hefty Yoke of Student Loan Debt, February 2014

National Journal - How Damaging Is Student Debt?, February 2014

The Progressive – Sentenced to Debt, November 2013

Forbes – Backlash: Student Loan Burden Prevents Borrowers From Buying Homes, Cars, June 2013

Forbes - Student Loan Problems: One Third Of Millennials Regret Going To College, May 2013

The Nation – The Student Loan Fairness Act is Only Fair, April 2013

See if you qualify for the U.S. Student Debt Forgiveness Plan,
call (800) 990-9146 now or:


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San Marcos, CA 92069

National Student Debt Association (NSDA) educates the general public and refers your contact information, at no cost to you, to service providers in our network. NSDA is not a non-profit organization and not affiliated with any government program, the Department of Education, Sallie Mae, or any other loan servicing agency. By applying with NSDA does not guarantee any outcome and results vary. The information and statements contained on this Website are intended as general educational information and expressly not intended and regarded as legal or financial advice. You can consolidate your own student loans at no charge at Federal Student Aid. By calling our number on this website, you consent to be contacted by National Doc Center or it's affiliates by phone, email or text/SMS at the number(s) listed above even if your number provided on the form above is on a National or State Do Not Call List. Your consent does not require you to purchase any services. © 2018 National Docu Center