With the Fixed and Deferred Repayment Options, the interest rate is higher than with the Interest Repayment Option and Unpaid Interest is added to the loans Current Principal at the end of the grace/separation period. Whether any loans are in default Disclaimers: Student Loan Planner is located at 1011 S Hamilton Road, Suite 300, Chapel Hill, NC 27517. Upon disbursement of a qualifying loan, the borrower must notify Student Loan Planner that a qualifying loan was refinanced through the site, as the lender does not share the names or contact information of borrowers. Rate range above includes optional 0.25% Auto Pay discount. Splash: If you refinance over $100,000 through this site, $500 of the cash bonus listed above is provided directly by Student Loan Planner. SoFi always recommends that you consult a qualified financial advisor to discuss what is best for your unique situation. THIS IS AN ADVERTISEMENT. Upon disbursement of a qualifying loan, the borrower must notify Student Loan Planner that a qualifying loan was refinanced through the site, as the lender does not share the names or contact information of borrowers. Eddie can answer student loan questions, look up general account information, and can connect you with a live agent if necessary. SoFi reserves the right to change or terminate this Promotion at any time with or without notice to you. 1 Lowest rates shown include auto debit discount. Splash Financial and our lending partners reserve the right to modify or discontinue products and benefits at any time without notice. Youll also need to know this number if you are considering refinancing those loans. Don't Have an Account? The FSA ID replaced the Federal Student PIN in 2015, so students who havent taken out new student loans or havent logged into the Federal Student Aid website since 2015 might not have an FSA ID yet. Autopay is not required to receive a loan from SoFi. These examples provide estimates based on the Deferred Repayment option, meaning you make no payments while enrolled in school and during the separation period of 9 billing periods thereafter. The results of this calculator are only intended as an illustration and are not guaranteed to be accurate. Elfi: If you refinance over $150,000 through this site, $500 of the cash bonus listed above is provided directly by Student Loan Planner. Simply go to your loan servicerswebsite, input your username and password, and check your account to locate your student loan account number. $100 bonus not available to residents of OH. customerservice@studentaid.gov Toll Free: 1-800-433-3243 1-800-621-3115 (Defaulted Loans) 1-800-557-7392 (Loan Consolidation) TTY: 1-800-730-8913 1-877-825-9923 (Defaulted Loans) 1-800-557-7395 (Loan Consolidation) Forms: Free Application for Student Aid Form (FAFSA) Government branch: Executive Department Sub-Office/Agency/Bureau All Rights Reserved. If you consolidate or refinance your loans, you may lose eligibility for public service loan forgiveness and other government programs and protections. While your private student loans wont have a student loan account number, any identifying account information should still be listed in an email or other correspondence. Contact Student LoanPlanner for a customized plan. 1. Variable APR: A $10,000 loan with a 15-year term (180 monthly payments of $157.12) and an 11.69% APR would result in a total estimated payment amount of $21,290.40. Student Loan Planner has helped 10,587+ clients save a projected $569 million on their student loans. OSLA Servicing : 1-866-264-9762. If the applicant was referred using the referral bonus, they will not receive the bonus provided via the referring party. Some might use parts of your personal information or your nine-digit Social Security numberto connect youto your loans. However you ultimately decide to approach your loan, remember to compare lenders before agreeing to a repayment option. Splash Financial loans are available through arrangements with lending partners. Loan or savings calculators are offered for your own use and the results are based on the information you provide. If you borrowed money from the U.S. Department of Education, there are a few different ways you can check out your student loan balance. Federal student loan payments have been paused since the onset of the COVID-19 pandemic in March 2020. Discover Student Loans may adjust the rate quarterly on each January 1, April 1, July 1 and October 1 (the interest rate change date), based on the 3-Month LIBOR Index, published in the Money Rates section of the Wall Street Journal 15 days prior to the interest rate change date, rounded up to the nearest one-eighth of one percent (0.125% or 0.00125). The IRS verifies your identity (basically) by pulling a credit report on you and then asking you to repeat back selected portions of it (though, since this is automated, sometimes the questions don't make sense or draw numbers that you've never seen because your account number with your loan servicer is not the same as the trade line for the loan). It may be suspended during forbearance or deferment. You can request one free credit report from each of the three reporting agencies annually Equifax, Experian, and TransUnion. I am seriously confused. Upon disbursement of a qualifying loan, the borrower must notify Student Loan Planner that a qualifying loan was refinanced through the site, as the lender does not share the names or contact information of borrowers. All variable rates are based on a 1-month LIBOR assumption of 0.15% effective Jan 1, 2021 and may increase after consummation. Variable APR: A $10,000 loan with a 20-year term (240 monthly payments of $72) and a 5.89% APR would result in a total estimated payment amount of $17,042.39. But after scanning your memory, nothing rings a bell. Weve personally advised over $1 out of every $1,000 in student loan debt in the U.S., creating custom plans for approximately $2.4 billion worth of student loans. How to reach Edfinancial customer service Edfinancial phone number : 1-855-337-6884 Edfinancial hours of operation: Monday 8 a.m. - 11 p.m. It might surprise you to learn that federal student loans arent directly administered by the government. This content is not provided or commissioned by any financial institution. If a borrower does not claim the Student Loan Planner bonus within six months of the loan disbursement, the borrower forfeits their right to claim said bonus. Product name, logo, brands, and other trademarks featured or referred to within Student Loan Planner are the property of their respective trademark holders. How to find your student loan account number, For $100k or more. If you ended up missing payments for 270 days or more and your loans are in default, your loan informationmight have been sold to a debt collection agency. If a borrower does not claim the Student Loan Planner bonus within six months of the loan disbursement, the borrower forfeits their right to claim said bonus. Please allow 2-3 business days for a response to an email. Read less. VisitStudentAid.gov/coronavirusfor updates. To qualify for this Earnest Bonus offer: 1) you must not currently be an Earnest client, or have received the bonus in the past, 2) you must submit a completed student loan refinancing application through the designated Student Loan Planner link; 3) you must provide a valid email address and a valid checking account number during the application process; and 4) your loan must be fully disbursed. The 10-character student loan account numberis used specifically for federal loans that come from the federal government. Fixed APR: A $10,000 loan with a 20-year term (240 monthly payments of $72) and a 6.04% APR would result in a total estimated payment amount of $17,249.77. This offer is not valid for borrowers who have previously received a bonus from Student Loan Planner. For the $1,000 Welcome Bonus offer, $500 will be paid directly by Student Loan Planner via Giftly. Put your savings to work. You also may need it if you want to apply for other federal loans, private loans, or even a credit card. However, if you choose a product and continue your application at a lending partners' website, they will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit. Customers who are approved for and close a loan will receive the $300-$500 bonus through Splash Financial. Recommended: Pros and Cons of Refinancing Student Loans. For the $1,275 bonus associated with refinancing at least $150,000, $500 of the bonus is provided by Student Loan Planner via Giftly, which can be redeemed as a deposit to your bank account or PayPal account. The amount of the bonus will depend on the total loan amount disbursed. Navient : 1-800-722-1300 Can a First-Time Home Buyer Get a Jumbo Loan? Head to the . See disclaimers at:https://www.splashfinancial.com/disclaimers/, Splash Financial, Inc. (NMLS #1630038), licensed by the DFPI under California Financing Law, license # 60DBO-102545. Advertised rates are for the Smart Option Student Loan for undergraduate students and are valid as of 2/27/23. This offer is not valid for current Earnest clients who refinance their existing Earnest loans, clients who have previously received a bonus, or with any other bonus offers received from Earnest via this or any other channel. Your actual repayment terms may vary. $100 to $350 for $5k to $99,999, Instructions for Completing Direct ConsolidationLoan Application and Promissory Note. Her work has appeared on Allure, Business Insider, Credit Karma, Fortune, and more. To qualify for the lowest rate, you must have a responsible financial history and meet other conditions. These things are: Go to the dashboard for your account at studentaid.gov and scroll down to the "My Loan Servicers" section. Previously, there was a PIN that borrowersused, which has now been replaced by the FSA ID. SoFi Loan Products The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Lowest rates reserved for the most creditworthy borrowers. $200 for 50k to $99,999. Your actual repayment terms may vary.Terms and Conditions apply. Using your student loan account number, you can easily view your remaining loan balances and how much interest youve accumulated. Commonbond: If you refinance over $100,000 through this site, $500 of the cash bonus listed above is provided directly by Student Loan Planner. If a borrower does not claim the Student Loan Planner bonus within six months of the loan disbursement, the borrower forfeits their right to claim said bonus. You have a network of support to help you succeed with your federal student loan repayment. 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