Question: how do I find out my student loan balance?

You can find out your student loan balance by logging into your loan account on the website of your loan servicer or by calling them to request the information.

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If you’re wondering how to find out your student loan balance, there are a few simple ways to get the information you need. The easiest way to check your balance is to log into your loan account on the website of your loan servicer. Simply enter your username and password, and you’ll be directed to your account dashboard where you should be able to view your current loan balance.

If you don’t have online access, you can call your loan servicer to request the information. Be prepared to verify your identity, as loan servicers are required to protect your personal information.

In addition to checking your loan balance, it’s a good idea to review your account regularly to ensure that your payments are being applied correctly and that there are no errors or discrepancies.

According to Forbes, as of the fourth quarter of 2020, outstanding student loan debt in the United States reached a staggering $1.56 trillion, with approximately 42.9 million borrowers owing an average of $36,520. This highlights the importance of staying informed about the details of your own student loans.

If you’re struggling to keep up with your student loan payments, it may be worth looking into options such as income-driven repayment plans, deferment, or forbearance. Remember, ignoring your student loan debt will not make it go away, so be proactive in managing your loans and seeking assistance if needed.

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To make it easier to compare and understand student loan options, here’s a table of common terms you should know:

Term Definition
Principal The amount borrowed, not including interest
Interest The cost of borrowing the money, expressed as a percentage of the principal
APR Annual percentage rate, which includes both the interest rate and any fees associated with the loan
Repayment period The length of time you have to repay the loan
Grace period A period after graduation or leaving school when you are not required to make payments
Deferment A period when you can temporarily postpone payments
Forbearance A period when you can temporarily reduce or pause payments
Consolidation Combining multiple student loans into one loan with a single payment
Default Failing to repay the loan according to the terms of the agreement

As Martin Lewis from MoneySavingExpert once said, “Debt isn’t bad, bad debt is bad.” Being informed about your student loans will empower you to make smart financial decisions and stay on top of your debt.

See a video about the subject.

A student loan lawyer explains that borrowers can view their federal student loans using a website called the National Student Loan Data System (NSLDS), which is owned by the Department of Education. Once logged in, borrowers can see all their federal student loans and borrowing history. To determine which entity holds the defaulted loans, they need to click on each loan and scroll to the bottom of the page. Borrowers can then contact the entity to figure out the process of getting their tax refunds back as a financial hardship, which could be a lender guarantee agency or a loan servicer.

Other responses to your question

You can find your federal student loan balances by logging into your account at For private student loan balances, you can contact your loan servicer or check your credit report.

To find any private student loan balances (or check who your lender is):

  1. Get your credit report from each of the three credit reporting agencies — Experian, Equifax, and TransUnion — at (you can do this once a year for free).
  2. Check your credit report to see a list all of your current obligations, including student loans.
  3. Contact the loan servicer to start making payments or start the student loan refinancing process.

I am confident that you will be interested in these issues

How do I find out my student loan payoff amount?
Your loan holder/servicer can provide your payoff amount, which will include principal and interest, as well as other fees and costs on your account (if applicable). Contact your servicer for your payoff amount.
How do I find out all of my student loans?
Response will be: is the U.S. Department of Education’s comprehensive database for all federal student aid information. This is one-stop-shopping for all of your federal student loan information. At, you can find: Your student loan amounts and balances.
Do your student loans get forgiven after 25 years?
Response to this: Any outstanding balance on your loan will be forgiven if you haven’t repaid your loan in full after 20 years (if all loans were taken out for undergraduate study) or 25 years (if any loans were taken out for graduate or professional study).
How do I know if I qualify for student loan forgiveness?
Answer: You may be eligible for discharge of your federal student loans based on borrower defense to repayment if you took out the loans to attend a school and the school did something or failed to do something related to your loan or to the educational services that the loan was intended to pay for.
Where can I Find my federal student loan balance?
The reply will be: You can always access student loan information through your My Federal Student Aid account, where you can find your federal student loan balances under the National Student Loan Data System (NSLDS). This is the U.S. Department of Education’s central database for student aid, and it keeps track of all your federal student loans. 3
How do I know how much I owe in student loans?
As a response to this: Here’s how to get accurate information about how much you owe in student loans. The U.S. Department of Education’s National Student Loan Data System is typically the best starting point for borrowers with federal student loans. (Getty Images)
Where can I find information about my private student loans?
Response will be: Unlike federal student loans, there is not a single website that contains information about all of your private student loans. Your private student loans will not be listed the U.S. Department of Education’s Federal Student Aid website because the system shows only your federal student loans.
How do I track my Student Loans?
The reply will be: You can also track your student loans by reaching out to your college, university or other institution you attended. Contact the financial aid office for the records they have on file related to your student loan debt. Start by having the office look up your account information, including all the loans that were processed in your name.

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