Organize Your Portfolio

Find and manage your educational loans.  Federal and UCSF campus student loans can be found by logging onto the various websites listed below. For private loan information, contact your servicer or review your credit report (www.annualcreditreport.com).

1)  UCSF Institutional Loans
     (Perkins, University Loan, LDS, HPSL, NSL, PCL)

Servicer: ACS: CPS Division  & UCSF Student Accounting
ACS/CPS Borrower Phone: (800) 826-4470
Web: www.acs-education.com
UCSF Student Accounting Phone:
controller.ucsf.edu/students/contact.asp

2)  Federal Loans (Direct, Stafford, Consolidated, & Grad PLUS)

Servicer: log onto www.nslds.ed.gov; click on the numbers for each loan to find contact info
Web: log onto servicer's website to find (& monitor) your loans

Many FFEL Stafford and GPlus loans have been sold to the Department of Education; Department of Education Loan Servicers are listed below:

Other Servicer info:

Direct Loan Originated - NSLDS Name:
Direct Loan Servicing Center
Borrower Phone: (800) 848-0979
Web: www.dl.ed.gov

Register online with all servicer' websites; update contact info

•  Loan balances, accrued interest, interest rates, grace period
•  When does accrued interest capitalize?
•  When does repayment begin? What repayment plans are available?

Deferment options for campus and federal loans

•  HPSL/LDS/PCL: may be deferred during residency; check your MPN/contact your Student Accounting representative
•  University Loan: may be deferred for two years of residency; check your MPN/contact your Student Accounting representative
•  Direct/Stafford/Grad PLUS/Consolidated Loans: contact servicer/lender for eligible deferments; more...
•  Perkins: check your MPN/contact Student Accounting representative

If entering repayment and if possible, pay off accrued interest before it capitalizes (initially prior to entering repayment)

Research your repayment options

•  www.finaid.org (calculators to compare repayment plans)
•  www.studentaid.ed.gov (Department of Education) (IBR & PSLF)
•  www.ibrinfo.org (IBR & PSLF)
•  Loan servicer websites
•  View Jeff Hanson's presentation "Student Loan Repayment: Strategies for Success" - events/117-successful-strategies-loan-repayment

For Dental Students pursuing Dental Postgraduate and/or Dental Residency: 

• Contact your Dental Program Director to determine your enrollment status
• Generally, if you pay fees or someone pays them for you = in-school deferment status
• If considered a student, send in-school deferment forms to ALL servicers (including UCSF campus loan servicers - ACS (www.acs-education.com) or contact your Student Accounting representative

Should I consolidate?

•  Most common: DOE (www.loanconsolidation.ed.gov) - weighted avg. rate rounded up 1/8th of 1%
•  After consolidating - repayment begins
•  Lose flexibility to strategically pay more expensive loans more quickly
•  Limit servicers to two: Institutional - ACS; Stafford - Direct Loans

Consider ALL sources of debt (consumer & educational) when considering strategic plan

• Credit card @25%; student loans at 6.8%; private loans (variable rates)
• Develop a budget incorporating loan payments

All information contained herein is subject to change; all resources listed are estimates based on 3/31/10 info