Managing Multiple Loans

With recent changes in federal law, you may leave school with a mix of federal student loans: Direct loans, loans issued through the Federal Family Education Loan Program, and loans once funded through private lenders that have been sold to the federal government. As a result, you may be making student loan payments to several different organizations.

USA Funds® has gathered here several resources for managing multiple federal student loan types.

Loan Information Access

National Student Loan Data System (NSLDS)
Provides information about federal student loans and grants through programs administered by the U.S. Department of Education programs. (For information about private student loans, please contact your lender.

PIN website
Online process for requesting a PIN to be used with the NSLDS.

Loan Consolidation

Direct Consolidation Loan
Information about consolidating loans – which types can be consolidated, requirements for consolidation, applying, payment plans, and more.

For an explanation of the benefits of loan consolidation, see our Repayment Options​ page.

Managing multiple loans? The Federal Student Aid Repayment Estimator can help you stay on track.

You can also use the NSLDS Student Access website to help you manage your federal student loans.​​​​​​​

Having trouble keeping track of your USA Funds loans or experiencing loan payment issues?