The Institute for College Access & Success (TICAS) is a nonprofit focused on research and policy work. TICAS does not offer legal or other advice to individual borrowers regarding their student loans. We regret that we cannot meet this need, and have provided the resources below in an effort to provide general information that addresses common questions. If you need advice or information, please see the information listed below.


The Top 10 Student Loan Tips for Recent Graduates
A list of the top ten things a recent graduate should know about their student loans and the repayment process.
Federal Student Loan Terms for 2018-19
Summarizes loan limits, interest rates, and other terms for federal student loans from July 1, 2018 through June 30, 2019.
Tips for Using “Net Price Calculators”
Since October 29, 2011, almost all U.S. colleges and universities are required to have “net price calculators” on their websites. These calculators can make it much easier to start figuring out which colleges you might be able to afford. They provide early, individualized estimates of what a specific college will cost after grants and scholarships: the net price is what you might have to earn, save, or borrow to go to that school. These new tools can help you move beyond often scary “sticker prices” and discover that your dream school may be more (or less) affordable than you thought – before you have to decide where to apply.

Before Borrowing

Federal Student Aid, U.S. Department of Education
You can also call 1-800-4FED-AID

Paying for College
The federal Consumer Financial Protection Bureau’s online tool to help students and parents make informed financial decisions about paying for college.

Student Loans: Avoiding Deceptive Offers
The Federal Trade Commission’s fact sheet on ways to recognize and avoid deceptive student loan marketing.

In Repayment

Student Loan Borrower Assistance
This site from the nonprofit National Consumer Law Center provides valuable information about repayment options, avoiding and getting out of default, dealing with collections agencies, and much more.

Repay Student Debt
The federal Consumer Financial Protection Bureau’s step-by-step guide to help borrowers explore their repayment choices

Federal Student Aid: Repaying Your Loans
If you have federal loans, this U.S. Department of Education web page will give you a sense of your repayment options.

Federal Student Loan Ombudsman
If you have a federal loan problem that you feel is not being handled fairly, the Student Loan Ombudsman of the U.S. Department of Education may be able to help.

Consumer Financial Protection Bureau Student Loan Complaint System
If you have a private or federal student loan problem with a lender, servicer, or debt collector, you can file a complaint through the bureau