Student and Borrower Resources


Learn more about the FSA ID here.

Managing Your Federal Student Loans


Who is NSLP?

NSLP is a nonprofit national student loan guaranty agency in the Federal Family Education Loan (FFEL) program. Through the FFEL program, the Federal Government provided insurance against losses to encourage lenders to make student loans. The insurance on these loans is handled by guaranty agencies that perform outreach to educate borrowers on repayment options and borrower rights and responsibilities under the FFEL program.

NSLP is not a collection agency or telemarketer. Our trained counselors guide students through their repayment options and help bring your federal student loan account up to date–and keep it that way.


Why We May Contact You

We may reach out to assist you in understanding your student loan repayment options, rights and responsibilities, along with resources for staying out of delinquency and default. Ultimately, we want to guide you towards successful student loan repayment. We want to be your H.E.R.O when dealing with your student loans. Our motto is “Helping Educate Responsible Repayment Options”, and we provide each borrower guidance and understanding through respect and dedication.


Everything You Need to Know About Repayment





Below you will find information to help you understand and potentially simplify your federal student loan repayment.


Locate Your Federal Loan Information

Locate Your Federal Student Loans >


General Loan Information

Department of Education Listing of Guaranty Agencies >

Your federal student loan borrower rights and responsibilities >

Returning to school >


Repayment Information

Federal student loan repayment plan options >

Federal student loan consolidation information >

Cancellation / Discharge / Forgiveness of Loans

  • Student Loan Forgiveness
    We encourage you to go directly to the Federal Student Aid website, and FAQ page, for the most up-to-date information or contact your servicer.

    • Commercially-Held Federal Family Education Loans (FFEL)
      The Department is working with FFEL lenders to ensure that commercially-held federal student loan borrowers can also benefit from cancellation without having to consolidate into the Direct Loan program. FFEL borrowers do NOT need to do anything now while the Department pursues this solution. In the meantime, borrowers with commercially-held FFEL loans may choose to consolidate into the Direct Loan program to become eligible for relief. Before you make this decision, we encourage you to learn more about loan consolidation at:
  • Federal student loan cancellation (discharge) >
  • Public Service Loan Forgiveness (PSLF)
    The PSLF program was created to encourage more graduates to take full-time public service jobs. It offers FULL tax-free forgiveness on the remaining balance after 120 qualifying on-time payments while being employed full-time in an eligible public service job.

    A temporary, limited PSLF waiver is in effect until October 31, 2022 allowing borrowers to receive credit for past periods of payment made under any repayment plan and for nearly any Federal loan type – including FFEL and Perkins loans. Learn More
  • Public Service Loan Forgiveness (PSLF) >
  • Teacher Loan Forgiveness >

Federal student loan repayment program for federal employees >

Information for military personnel with federal student loans >

Difficulty making your federal student loan payment >

Forms >


Delinquent and Default Information

Deferment and forbearance >

Defaulted federal student loan information >

Forms >



Forms >


Should you discover that your federal student loan is delinquent, contact NSLP’s Student Outreach Team to visit with a trained NSLP repayment counselor at 888.434.6548 to learn of repayment options to help you get back on-track.