1. Your Loan Portfolio Working Your Way Through

2. National Student Loan Data System

4. What Should You See? Principal Loan Amount Servicer of your loan Guarantor of your loan Loan status Contact information

5. What You Should See

7. What Is a Guarantor? A guarantor is someone who pledges that a loan or other type of debt will be paid. Usually, a guarantor agrees to pay or perform another person's debt or duty should that person fail to do so

8. What Is a Servicer? A loan servicer is a public or private entity that collects principal and interest payments, monitors and report loan repayments.

9. Handling Multiple Servicers Who are the servicers?

10. Handling Multiple Servicers

13. Possible Conflicts  Selling of your loan(s) between transactions  Multiple payouts

14. Possible Solutions Consolidation  Benefits Extended Repayment Option Make one payment to one servicer a month Easy account management Public sector loan forgiveness  Cons Loss of grace period Possible loss of prior benefits

15. How to Consolidate Loan Consolidation Application and Calculator http://loanconsolidation.ed.gov/borrower/bconsol.html Calculator https://loanconsolidation.ed.gov/AppEntry/apply- online/appindex.jsp Application

16. Thank You Questions????