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Know What You Owe

Federal Student Aid Dashboard

The Federal Student Aid Dashboard (FSAD) is the U.S. Department of Education's central database for federal student aid records. FSAD allows you to see details about all your federal student loans in one convenient location. If you need specific information on your student loans or aren't sure how to contact your loan servicer(s) directly, FSAD is an excellent resource for you.

View your Federal Student Aid Dashboard at

Confirm Loan Repayment Start Date

Always check your loan servicer portal for the most up-to-date information on your payment schedule.

  • Federal Student Loans (Subsidized and Unsubsidized)
    • 6-month grace period
  • Graduate PLUS
    • 6-month post-enrollment deferment
  • Private Loans
    • The grace period may vary, check with your lender

Understand Your Repayment Options

Loan Simulator

The Loan Simulator by is a new tool to help you make decisions about your student loans. Use it to find a repayment plan that meets your needs and goals or to decide whether to consolidate. To get the most realistic results, provide complete and accurate information when using Loan Simulator. Keep in mind, this tool can’t predict your future payments with 100% accuracy. In order to make these predictions, Loan Simulator makes several assumptions as it calculates monthly repayment amounts.

IMPORTANT: Results of Loan Simulator are for informational purposes only and should not be considered financial advice. You are encouraged to review all available options and make decisions about borrowing and repayment that align with your individual goals.

MedLoans Organizer and Calculator - CMS Only

The first step in managing your education debt is organizing your student loan records. Once you have all your documents organized in a single place, you will be better prepared to manage your debt during repayment. To help you stay organized throughout residency, the AAMC has created an online resource specifically designed for medical students and residents to safely and securely organize and save loan portfolio information as well as calculate various repayment options. This tool will help you understand the impact (total interest cost) of each of the different repayment strategies.

Use your AAMC username and password to log in to the MedLoans Organizer and Calculator. For help with your username and password, contact Denine Hales at

Repayment Plan Options

Traditional Repayment Plans

The monthly payment is determined by the amount of your total debt, interest rate, and length of the repayment term you select.

Income-Driven Repayment Plans

The monthly payment is based on your income, family size, state of residency.  You may qualify for forgiveness after 20-25 years of repayment. Under current IRS rules, you may be required to pay income tax on any amount that is forgiven. Consider your tax bracket at the time of forgiveness. 

To view additional information on repayment plan options, please visit

Understand Public Service Loan Forgiveness

The Public Service Loan Forgiveness (PSLF) program was established by the College Cost Reduction and Access Act of 2007 to encourage individuals to take and continue to work full-time in public service jobs.

What is needed to qualify for PSLF?

  • Qualifying Loans
    • Only Federal Direct Loans not in default are eligible for PSLF. If you have loans under the Federal Family Educational Loan Program (FEEL), you must consolidate those 
  • Qualifying Repayment Plan
    • Your loans must be in an eligible repayment plan to qualify for PSLF. Eligible repayment plans consist of:
      • Revised Pay As You Earn (REPAYE)
      • Pay As You Earn (PAYE)
      • Income-Based Repayment (IBR)
      • Income-Contingent Repayment (ICR)
      • 10-Year Standard Repayment Plan
  • Qualifying Payments
    • You must make 120 on-time, full, monthly payments. Payments do not need to be consecutive. The best way to ensure that your payments qualify is to sign up for automatic payments with your loan servicer. 
  • Qualifying Employment
    • You must be employed full-time by a federal, state, local or governmental agency, or a nonprofit, tax-exempt organization under section 501(c) 3 of the Internal Revenue Code, or for a private not-for-profit employer that provides certain specified public services. Employment does not have to be consecutive. Full time, for this purpose, means that you will meet your employer’s definition of full-time or work at least 30 hours per week, whichever is greater.
    • To qualify for PSLF, you must be employed full-time by a qualifying employer when you apply for and receive PSLF.

Good news: Public Service Loan Forgiveness is not considered income by the IRS, which means the amount forgiven is tax-free. 

For more information and to use the PSLF Help Tool, visit