How can I find out where my student loans are and how much I owe?
Andrew Mclaughlin
Published Mar 01, 2026
The Federal Student Aid website, which is managed by the Department of Education, shows you how much you owe in federal student loans. Your Federal Student Aid dashboard will show your loan’s original amount, current student loan balance, interest and payment status. It also tells you who your loan servicer is now.
How can I get my student loans out of collections?
How to get your student loans out of collections
- Dispute the debt. First, ensure that the information the debt collection agency has is accurate.
- Settle your debt.
- Pay the amount owed.
- Consolidate or rehabilitate your loans.
- Declare bankruptcy.
Will consolidating student loans be forgiven?
If you’re paying your current loans under an income-driven repayment plan, or if you’ve made qualifying payments toward Public Service Loan Forgiveness, consolidating your current loans will cause you to lose credit for any payments made toward income-driven repayment plan forgiveness or PSLF.
What happens to my student loan when I refinance?
When you refinance student loans, a private lender pays off your existing loans and replaces them with one loan with a new interest rate and repayment schedule. Going forward, you’ll make monthly payments to the new lender.
Are there any companies that refinance federal student loans?
Broad availability: All of the companies on our list refinance both federal and private student loans, and they each offer a variable and fixed interest rate to choose from.
When is the best time to refinance my federal student loan?
However, with the current suspension of federal student loan payments and interest through at least Sept. 2021, most financial experts don’t recommend refinancing your federal student loans at this time. It may be a good idea to refinance any private student loans if your interest rate is high.
Do you need a co signer to refinance a student loan?
If you fall short on either, you might need a co-signer who qualifies. You can refinance both federal loans and private loans. It doesn’t cost anything to refinance student loans, and you may be able to reduce your monthly payment or pay off your debt faster.
