Financial Aid FAQ’s

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An FSA ID is comprised of a username and password that you create. Your FSA ID allows you to access your federal student aid information online, and is used to log in to many U.S. Department of Education (ED) websites, including FAFSA on the Web, NSLDS Student Access, StudentLoans.gov, StudentAid.gov, and the TEACH Grant website. Your FSA ID must be kept secure and never shared with anyone.

If you do not already have an FSA ID, you can Create an FSA ID here.

If you have an FSA ID, but do not remember your username, click Forgot Username.

If you have an FSA ID but do not remember your password, click Forgot Password.

You can change your password by visiting Edit My Account. Your FSA ID username cannot be changed. If you think the security of your FSA ID has been compromised, you must change your password.

It is important to keep your information up-to-date. Go to Edit My Account to update your FSA ID e-mail or mailing address.

If you have received Title IV loans and/or grants, there can be several reasons that no data appears. It takes you loan holder 30 to 45 days to get the information into NSLDS. If more than 60 days have passed since you received your loan, contact the school’s financial aid office that processed your loan. They can tell you why your loanor grant has not been reported to NSLDS.

The National Student Loan Data System (NSLDS) is the U.S. Department of Education’s central database for student aid. It receives data from schools, agencies that guaranty loans, the Direct Loan program, and other U.S. Department of Education programs. NSLDS provides a centralized, integrated view of Title IV loans and grants that are tracked through their entire cycle; from aid approval through closure.

The NSLDS Student Access web site is available 24 hours a day, 7 days a week. However, maintenance of the NSLDS database can occur on the weekends or late hours. This may cause the site to be unavailable for a brief period while maintenance is performed.

You can use the web site to make inquiries about your Title IV loans and/or grants. The site displays information on loan and/or grant amounts, outstanding balances, loan statuses, and disbursements. The Glossary of Terms contains information on terms relating to loans and grants.

In order to use the NSLDS Student Access web site, you will need to provide your FSA ID username and password.

The unique combination of FSA ID username and password needed to access the NSLDS Student Access web site makes it as secure as using an ATM.

• The Glossary of Terms page provides more detailed information on terms used on this web site.
• The Federal Student Aid Information Center at 1-800-4-FED-AID/TDD 1-800-730-8913 is available 8AM to 10PM (Eastern Time), Monday through Friday, except federal holidays.
• Access to the Federal Student Aid Information Center Help page is available by clicking the Contact US link in the menu above. Click here for NSLDS Student Access

You are entitled to one 6-month grace period after you stop attending a school at least half time. During this grace period, the lender or loan servicer will contact you and tell you how much your payments will be and how to make them. If you go back to school, you can obtain a deferment so you can temporarily postpone payments.

Your lender or a loan servicer is responsible for billing and receipt of payments. Many times a lender will hire a company to perform the billing functions for its loans, and this company is referred to as a loan servicer. You can contact your lender or loan servicer for information.

The interest on your educational loans was set by Federal Law and is recorded on your signed promissory note. You can find the type of interest rate, fixed or variable, for each of your loans on this web site by clicking on a loan and reviewing the details. For lender held loans, contact the lender or lender servicer for your loans to find out the actual interest rate.

No. Due to reporting time frames, the payoff amount can include other charges, fees, and/or costs on your account. You must contact the loan holder/servicer to obtain the payoff amount.

Borrowers who default on their student loans are reported to credit bureaus, so your credit rating and future borrowing ability will be negatively impacted. In addition, legal action can be taken to require payment through garnishment of wages and withholding of tax refunds.