Free Resources on Student Loans

Check out these resources BEFORE hiring someone to manage your student loans.

House Officers are invited to make an appointment with the Medical School Financial Aid Office to get assistance. They have offices located at the Taubman Health Sciences Library. Please identify yourself as a House Officer.

1135 Catherine Street

Ann Arbor, MI 48109-5726


734-764-9473 or email Tammy Stacy


The link below provides a comprehensive listing of all Direct Subsidized and Direct Unsubsidized Loans, Direct PLUS (Grad PLUS) Loans, Subsidized and Unsubsidized Stafford Loans, Federal Consolidation Loans, and Perkins Loans.
Includes information on loan servicers for each loan (click the number to the left of each loan for additional information, including current lender/holder and servicer). (National Student Loan Data System)

Direct Loans (directly from government) will say "Direct" in the name listed on NSLDS (only Direct Loans are eligible for forgiveness under the Public Service Loan Forgiveness program and only Direct Loans may be repaid with PAYE and REPAYE).

Since July 1, 2010, all federal loans have been originated through the Direct Loan program. FFEL Loans are federal loans from a private lender. There have been no new FFEL Loans since July 1, 2010.

FFEL Loans can be consolidated into the Direct Loan program.

Highly recommended site from the United States Department of Education.
Use the Repayment Estimator to:

  • Upload NSLDS data to personalize repayment numbers.
  • Estimate repayment under all eligible plans.
  • Estimate eligibility and payment amounts under Income-Driven Repayment (IDR) plans like IBR, 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).

Information on the Public Service Loan Forgiveness (PSLF) program.
Online PSLF Employment Certification Form. (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. (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)  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.

Information on tax benefits for education, including the Student Loan Interest Deduction.

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.