Federal Loan FAQs

Federal student loans are available to students who are:

  • US citizens or permanent residents
  • Matriculated
  • Enrolled at least half time (6 credit hours per term) in a degree-seeking program

In order to receive federal loans for a course or courses, the course(s) must:

  • Be part of a matriculated degree-seeking program
  • Not be audited courses

  • Federal Direct Subsidized/Unsubsidized Stafford Loans
    • Subsidized Stafford Loans are need-based and do not accrue interest during the student’s time in school. Only available to undergraduates.
    • Unsubsidized Stafford Loans are non-need-based and do accrue interest during the student’s time in school. Available to undergraduates and graduate/professional students.
  • Federal Perkins and Nursing Loans
    • For students demonstrating significant financial need. These do not accrue interest during the student’s time in school.
  • Federal Direct PLUS Loans
    • Available to parents of dependent undergraduates, and/or graduate students. These do accrue interest during the student’s time in school.

Loan TypeBorrower TypeFixed Interest Rate
Federal Direct Stafford LoanUndergraduate Students4.29%
Federal Direct Stafford LoanGraduate/Professional Students5.84%
Federal Perkins/Nursing LoanUndergraduate Students5%
Federal Direct PLUS LoanParents of Dependent Undergraduates and
Graduate/Professional Students
6.84%

Note: Above figures relate to loans first disbursed on or after July 1, 2015 and prior to July 1, 2016.

Yearly Federal Loan Borrowing Limits 

Year in School (Earned Undergraduate Credits)Dependent Undergraduate StudentsIndependent Undergraduate StudentsGraduate Students
First Year
(0–23 earned credits)
$5,500 (No more than $3,500 subsidized)$9,500 (No more than $3,500 subsidized) N/A
Second Year 
(24–55 earned credits)
$6,500 (No more than $4,500 subsidized)$10,500 (No more than $4,500 subsidized)N/A
Third Year 
(56–87 earned credits)
$7,500 (No more than $5,500 subsidized)$12,500 (No more than $5,500 subsidized)$20,500 unsubsidized
Fourth Year 
(88–128 earned credits)
$7,500 (No more than $5,500 subsidized)$12,500 (No more than $5,500 subsidized)N/A
Fifth Year 
(129+ earned credits)
$7,500 (No more than $5,500 subsidized)$12,500 (No more than $5,500 subsidized)N/A

Aggregate or “Lifetime” Limits

Dependent Undergraduate StudentsIndependent Undergraduate StudentsGraduate Students
$31,000 (No more than $23,000 subsidized)$57,500 (No more than $23,000 subsidized)$138,500 (No more than $65,000 subsidized; includes undergraduate loans)

You can write a request to your financial aid counselor by email, fax, or postal mail. Requests must come directly from the student; parent requests will not be honored. You can subsequently request to restore such loans if need be, again with a written request, and you must do so before the end of the academic year or term in which you are enrolled.

Federal Loan Requirements

You must complete the requirements listed below to formally accept any federal loan you may have been offered and to allow the loan to disburse to your student billing account with the University. You only need to complete these requirements once during your time at Rochester, and you will need your personal FSA ID. Retrieve your FSA ID. We encourage you to save all your information electronically for your records.

Log in to your FAOnline account and click the ‘Required Documents’ tab. Any outstanding documents will be listed as Not Received. You may need to complete requirements for several different loan types. For example, an undergraduate student may have qualified for a federal direct loan and a federal Perkins loan. That student would need to complete a master promissory note and entrance counseling for each loan.

Parents can determine if they are missing any paperwork associated with the federal Parent PLUS loan by having their student check FAOnline or by contacting the Financial Aid Office directly.


Federal Direct Loans for Undergraduates and Graduates (Subsidized and Unsubsidized Loans) Borrowers

Sign your Direct Loan eMPN

All first-time borrowers of a federal direct loan at the University of Rochester must sign an eMPN. Signing the eMPN is a ten-step process and will require at least 30 minutes.

We will receive an electronic notice that the eMPN has been signed and is valid. At that time, your Federal Direct Loan will be scheduled for disbursement.

Please note: It is a federal violation to complete forms or requirements for a loan of which you are not the primary borrower.

Begin Direct Loan Entrance Counseling

In addition to the eMPN, all first-time borrowers at the University of Rochester must complete loan entrance counseling. This session will take about 25–30 minutes. We will receive an electronic notice that the entrance counseling has been completed and is valid within two business days of you completing the requirement online.

During the entrance counseling session, you will learn:

  • Your rights and responsibilities as a borrower
  • Information on interest rates, expenses, repayment plans, and other important details about borrowing
  • Whom to contact with questions

You may attempt to pass the quiz three times. If you do not pass on your third attempt, you must contact your financial aid counselor to set up an in-person session.

Please note: It is a federal violation to complete forms or requirements for a loan of which you are not the primary borrower.

Begin Direct Loan Exit Counseling

All students who have borrowed through the Federal Direct Student Loan program while at the University of Rochester and are no longer enrolled must complete a loan exit counseling session with the federal government. You must complete exit counseling if you graduated, withdrew from the University, became inactive, or fell below half-time status. This session will take about 30 minutes.

In the exit counseling session, you will learn:

  • Your rights and responsibilities for repayment
  • Your repayment options
  • How to defer your loans while in graduate school
  • Who your loan servicer is and how to contact them

Our office will receive an electronic notice that the exit counseling has been completed and is valid within two business days of you completing the requirement online.

Please note: It is a federal violation to complete forms or requirements for a loan of which you are not the primary borrower.


Federal Direct Graduate PLUS Loan Borrowers

Sign your Direct Graduate PLUS Loan eMPN

All first-time borrowers of a federal direct loan at the University of Rochester must sign an eMPN. Signing the eMPN is a ten-step process and will take at least 30 minutes.

We will receive an electronic notice that the eMPN has been signed and is valid within two business days of you completing the requirement online.

Please note: It is a federal violation to complete forms or requirements for a loan of which you are not the primary borrower.

Begin Direct Graduate PLUS Loan Entrance Counseling

In addition to the eMPN, all first-time borrowers at the University of Rochester must complete loan entrance counseling with the federal government. This session will take about 25–30 minutes. We will receive an electronic notice that the entrance counseling has been completed and is valid within two business days of you completing the requirement online.

During the entrance counseling session, you will learn:

  • Your rights and responsibilities as a borrower
  • Information on interest rates, expenses, repayment plans, and other important details about borrowing
  • Whom to contact with questions

You may attempt to pass the quiz three times. If you do not pass on your third attempt, you must contact your financial aid counselor to set up an in-person session.

Please note: It is a federal violation to complete forms or requirements for a loan of which you are not the primary borrower.


Federal Direct Parent PLUS Loan Borrowers

Sign your Direct Parent PLUS Loan eMPN

Parents who are borrowing a Federal Direct PLUS Loan for the first time and have already submitted a PLUS loan application to the Financial Aid Office must sign an eMPN once they have received credit approval. Signing your eMPN is a ten-step process and will take at least 30 minutes. The eMPN needs to be signed only once; it is good for ten years. However, you must submit a new PLUS application each year.

We will receive electronic notice that the eMPN has been signed and is valid within two business days of you completing the requirement online. At that time, your Federal Direct PLUS Loan will be scheduled for disbursement. To confirm that the promissory note has been received, have your student check their FAOnline account or contact the Financial Aid Office directly.

Please note: It is a federal violation to complete forms or requirements for a loan of which you are not the primary borrower.


Federal Perkins Loan Borrowers

Sign your Perkins Loan eMPN

Students who are borrowing a Federal Perkins Loan for the first time at the University of Rochester must sign an eMPN. We will receive electronic notice that the eMPN has been signed and is valid within two business days of you completing the requirement online.

Please note that you cannot sign your eMPN until you receive an email notification from our servicer, ACS, informing you of the web links to use. Do not try to complete the requirements until you receive this notification. It is a federal violation to complete forms or requirements for a loan of which you are not the primary borrower.

Begin Perkins Loan Entrance Counseling

All first-time borrowers at the University of Rochester must complete loan entrance counseling. This session will take about 25–30 minutes.

In the entrance counseling session, you will learn:

  • Your rights and responsibilities as a borrower
  • Information on repayment, interest rates, and other important details about borrowing
  • Whom to contact with questions

We will receive electronic notice that the eMPN has been signed and is valid within two business days of you completing the requirement online. You will only need to complete the entrance counseling session one time and this requirement will be fulfilled for the rest of your undergraduate study at the University.

Please note that you cannot complete entrance counseling until you receive an email notification from our servicer, ACS, informing you of the web links to use. Do not try to complete the requirements until you receive this notification. It is a federal violation to complete forms or requirements for a loan of which you are not the primary borrower.

Begin Perkins Loan Exit Counseling

All students who have borrowed through the Federal Perkins Loan program while at the University of Rochester and are no longer enrolled must complete a loan exit counseling session with the federal government. You must complete exit counseling if you graduated, withdrew from the University, became inactive, or fell below half-time status. This session will take about 30 minutes.

During the exit counseling session, you will learn:

  • Your rights and responsibilities for repayment
  • Your repayment options
  • How to defer your loans while in graduate school
  • Who your loan servicer is and how to contact them

Our office will receive an electronic notice that the exit counseling has been completed and is valid within two business days of you completing the requirement online.


Federal Nursing Loan Borrowers

Sign your Nursing Loan eMPN

Students who are borrowing a Nursing loan for the first time at the University of Rochester must sign an eMPN. We will receive electronic notice that the eMPN has been signed and is valid within two business days of you completing the requirement online.

Please note that you cannot sign your eMPN until you receive an email notification from our servicer, ACS, informing you of the web links to use. Do not try to complete the requirements until you receive this notification. It is a federal violation to complete forms or requirements for a loan of which you are not the primary borrower.

Begin Nursing Loan Entrance Counseling

All first-time borrowers at the University of Rochester must complete loan entrance counseling before their loans will disburse. This session will take about 25–30 minutes.

In the entrance counseling session, you will learn:

  • Your rights and responsibilities as a borrower
  • Information on repayment, interest rates, and other important details about borrowing
  • Whom to contact with questions

After you complete the entrance counseling, our office will be notified via an electronic report. Be sure to complete the entrance counseling session for each type of loan that you are borrowing at the University. You will only need to complete the entrance counseling session one time and this requirement will be fulfilled for the rest of your undergraduate study at the University.

Please note that you cannot complete entrance counseling until you receive an email notification from our servicer, ACS, informing you of the web links to use. Do not try to complete the requirements until you receive this notification. It is a federal violation to complete forms or requirements for a loan of which you are not the primary borrower.

Begin Nursing Loan Exit Counseling

All students who have borrowed through the Federal Nursing Loan program while at the University of Rochester and are no longer enrolled must complete a loan exit counseling session with the federal government. You must complete exit counseling if you graduated, withdrew from the University, became inactive, or fell below half-time status. This session will take about 30 minutes.

During the exit counseling session, you will learn:

  • Your rights and responsibilities for repayment
  • Your repayment options
  • How to defer your loans while in graduate school
  • Who your loan servicer is and how to contact them

Our office will receive an electronic notice that the exit counseling has been completed and is valid within two business days of you completing the requirement online.

University and Alternative Loan Requirements

University Loan Borrowers

You must complete the requirements listed below to allow your University loans to disburse onto your student account. You only need to complete these requirements once during your time at Rochester.

You must complete additional paperwork after being awarded the University loans to formally accept them. To determine what documents are needed, log in to your FAOnline account and click the ‘Required Documents’ tab. Any outstanding paperwork will be listed as Not Received. Click on the name of the document to access the website needed to complete it.

University Loans include the following funds:

  • University Broxholm Memorial Loan
  • University Loeser Loan
  • University McGuire Loan
  • University O’Connor Loan
  • University Tiernan Loan

To determine if you’ve been awarded a University loan, log in to your FAOnline account and click the ‘Your Awards’ tab. Not all students qualify for this loan program.

Sign your University Loan eMPN

All first-time borrowers of a University loan at the University of Rochester must sign an eMPN. We will receive an electronic notice that the eMPN has been signed and is valid within two business days of you completing the requirement online.

Please note that you cannot sign your eMPN until you receive an email notification from our servicer, ACS, informing you of the web links to use. Do not try to complete the requirements until you receive this notification. It is a federal violation to complete forms or requirements for a loan of which you are not the primary borrower.

Begin University Loan Entrance Counseling

All first-time borrowers at the University of Rochester must complete loan entrance counseling before loan proceeds can be credited to their student accounts. This session will take about 25–30 minutes.

In the entrance counseling session, you will learn:

  • Your rights and responsibilities as a borrower
  • Information on repayment, interest rates, and other important details about borrowing
  • Whom to contact with questions

After you complete the entrance counseling, our office will receive an electronic notice that the counseling has been completed and is valid within two business days of you completing the requirement online. You will only need to complete the entrance counseling session one time and this requirement will be fulfilled for the rest of your undergraduate study at the University.

Please note that you cannot complete your entrance counseling until you receive an email notification from our servicer, ACS, informing you of the web links to use. Do not try to complete the requirements until you receive this notification. It is a federal violation to complete forms or requirements for a loan of which you are not the primary borrower.

Begin University Loan Exit Counseling

All students who have borrowed a University Loan and are no longer enrolled must complete a loan exit counseling session with the federal government. You must complete exit counseling if you graduated withdrew from the University, became inactive, or fell below half-time status. This session will take about 30 minutes.

In the exit counseling session, you will learn:

  • Your repayment terms and conditions
  • How to defer your loans
  • Who your loan servicer is and how to contact them

Our office will receive an electronic notice that the exit counseling has been completed and is valid within two business days of you completing the requirement online.

Please note: It is a federal violation to complete forms or requirements for a loan of which you are not the primary borrower.


Alternative Loan Borrowers

As of February 14, 2010, all alternative educational lenders are required to send new borrowers three disclosure statements and a self-certification form. Borrowers must complete and return these statements to the lender before their application will be complete and to allow for any loan funds to be sent to the student’s school.

Due to these requirements, students need to allow for enough time for loan certification and disbursements to occur. This additional time may:

  • Cause late fees on the student account
  • Cause a delay in the receipt of a potential refund
  • Affect student participation in registration and housing lotteries in the event that a financial hold exists on the account

The lender will send three disclosures to the borrower:

  • Application Disclosure: Sent once the lender receives the loan request from the student
  • Approval Disclosure: Sent once the student’s loan request is credit-approved by the lender. The borrower has 30 days after they receive the approval disclosure to notify the lender that the student accepts the loan offer.
  • Final Disclosure: Sent to the borrower after the lender has received the following items:
    • The borrower’s acceptance of the approval disclosure
    • The private education loan applicant self-certification form, completed by the borrower
    • Certification of the loan by the borrower’s school

Please be aware that the lender must wait at least three business days after the final disclosure is sent before they can send the funds to the school.

In addition to the disclosures, the lender will also send the borrower a self-certification form. This form is sent once the alternative loan application is credit-approved. The borrower must complete Sections 2 and 3 of the form, sign it, and return it to the lender.

If you have received the approval disclosure but have not received the self-certification form from the lender within three business days, you may print the Private Education Loan Applicant Self-Certification form (.pdf).

Here are some additional tips for completing the self-certification form:

  • Section 2, Question A: To determine your current estimated cost of attendance, refer to the cost of attendance figure provided on the ‘Important Messages’ tab in FAOnline.
  • Section 2, Question B: To determine your current financial aid awards, log in to FAOnline and click on the ‘Your Awards’ tab.
  • Section 2, Question C: To determine your current alternative loan eligibility, subtract your total financial aid from your total cost of attendance.
  • Section 3: To determine the period of enrollment for which you would like to receive this loan, please use the same dates that you originally used on your loan application with the lender.

If you are having difficulty finding the information you need to complete the self-certification form, please contact your financial aid counselor.

Additional Borrowing Options

We encourage all students and parents to borrow as little as possible. In the event that the student and/or parents wish to seek financing beyond the student’s financial aid package, we recommend that the family consider paying for remaining expenses through student work, current income, and/or assets, before pursuing additional loans. Limiting the amount of additional borrowing will help reduce the total cost of the education.

Visit our Financial Literacy page for more information on budgeting well and other ways to save money as a Rochester student.

Who can borrow
Parents can borrow a Federal Parent PLUS to help pay for a student’s educational expenses as long as the student is:

  • Considered a dependent student
  • Enrolled at least half time (at least six credit hours per term)
  • Matriculated in a degree-seeking program

How it works
Credit approval is required to receive the loan. Parents can borrow up to the cost of attendance minus any financial aid the student is receiving. The interest rate for the 2015–2016 academic year is 6.84% as of July 1, 2015. There is an origination fee of 4.292% prior to October 1. After October 1, the interest rate is 4.272% for the remainder of the academic year.

When to apply 
Parents should not apply any earlier than 90 days before the start of the semester for which the loan is needed. Credit approvals are only viable for that amount of time. If the loan is applied for too early, the credit approval will become invalid and parents must submit a new PLUS online application for processing. We will begin processing PLUS loans for the new academic year after July 1, 2016.

How to apply
Submit the Parent PLUS application. Click the green ‘Sign In’ button to complete the PLUS Request Process. Parents must submit the application with their federal PIN. If needed, please see the ‘Apply for PIN’ link under ‘Tools and Resources.’ on that site.

What’s next 
Once the application is submitted online, we will be notified electronically regarding the amount requested and whether the loan was approved or denied. The loan amount requested is assumed to be for the entire academic year. If your needs change after the PLUS loan application is submitted, please contact your financial aid counselor and detail any required updates.


Parent PLUS Denial

In the event that a Parent PLUS loan is denied, the student may borrow an additional federal unsubsidized loan, up to $4,000 for freshmen and sophomores and $5,000 for juniors and seniors. The actual amount that can be borrowed is determined by a financial aid counselor based on the difference between the estimated cost of attendance and the total financial aid awarded. Students need to request these funds in writing after the parent receives notification of the denial. PLUS loan denials do not carry over to the following year; the PLUS loan must be applied for each year.

Get additional information about the PLUS loan.

Who can borrow
Graduate students can borrow a federal Graduate PLUS Loan to help pay for their educational expenses as long as they:

  • Have already applied for their annual federal Direct Student Loans
  • Are matriculated in a master’s or PhD program; certificate programs are excluded
  • Are enrolled at least half time (at least six credit hours per term)

How it works 
Credit approval is required to receive the PLUS loan. Students can borrow up to the cost of attendance minus any financial aid already awarded. The interest rate for the 2015-2016 academic year is 6.84% as of July 1, 2015. There is an origination fee of 4.292% prior to October 1 and after that date, the interest rate is 4.272% for the remainder of the academic year.

When to apply 
Students should not apply any earlier than 90 days before the start of the term for which the loan is needed. Credit approvals are only viable for that amount of time. If the loan is applied for too early, the credit approval will become invalid and you will need to submit a new PLUS online application for processing. Please also factor in time for the Financial Aid Office to review your submitted FAFSA, which must occur before your Graduate PLUS application can be processed. We will being processing PLUS loans for the new academic year after July 1, 2016.

How to apply 
Submit the Graduate PLUS application. Click the green ‘Sign In’ button to complete the PLUS Request Process. Students must have a federal PIN and must have already submitted a FAFSA to submit a Graduate PLUS application. If needed, please see the ‘Apply for PIN’ link under ‘Tools and Resources’ on that site.

What’s next 
Once the application is submitted online, we will be notified electronically regarding the amount requested and whether the loan was approved or denied. Please note that the loan amount requested is assumed to be for the entire academic year. The PLUS loan will be set up evenly across all the terms in which you are enrolled at least half time during the academic year. The total of your PLUS loan and other financial aid cannot exceed the cost of attendance for each eligible term. If your needs change after the PLUS loan application is submitted, please contact your financial aid counselor and detail any required updates.

State educational loans:

  • Are available to undergraduate and graduate students (and possibly to parents and relatives), as long as the student is matriculated and enrolled at least half time in a degree program.
  • Are credit-based and offer interest rates and terms which are very competitive with PLUS loans and which are typically better than those of alternative loans.
  • May have both fixed and variable interest rates available, depending on the state.

To qualify for a state educational loan from any of the states listed below, you (the student or the parent of a Rochester student) must be a resident of that state, unless otherwise noted. Carefully read the criteria for the loan and contact the state organization if you have any questions.

Alaska 
Alaska offers fixed-rate supplemental loans to state residents attending in-state and out-of-state colleges and universities. Loan options are available to undergraduate and graduate students and family members who wish to borrow on behalf of the student.

Connecticut 
Connecticut offers the CT FELP loan to state residents who are undergraduate or graduate students attending accredited nonprofit colleges in the US. The loan is a fixed-rate loan and currently requires the student to make interest payments while in school.

Maine 
Maine offers The Maine Loan to state residents attending approved colleges in the United States. The loan has a variable interest rate and a tiered fee structure based on credit level.

Massachusetts 
Massachusetts offers two supplemental loan options to students through the Massachusetts Educational Financing Authority (MEFA): the MEFA Undergraduate Loan (available to the parent or the student) and the MEFA Graduate Loan.

New Jersey
New Jersey offers NJCLASS fixed-rate loan options for parents, undergraduate students, and graduate students who are state residents.

Vermont
Vermont offers the VSAC Advantage Loan to undergraduate and graduate students. This quarterly, variable-interest-rate loan is based on the LIBOR rate. Loan fees may be assessed on the amount borrowed, depending on credit score.

These educational loans are offered by banks and educational lenders as a supplement to (not a replacement of) federal student loans. Alternative loans may also be referred to as private educational loans, as they are not affiliated with the federal or state loan programs. International students will need to have a US citizen or permanent resident cosign the loan.

Please note: The following types of students should contact their financial aid counselor first before pursuing alternative loans:

  • Non-matriculated students
  • Students seeking to pay past-due balances
  • Students not meeting satisfactory academic progress
  • Students denied on previous alternative loan applications due to poor credit

Before pursuing an alternative loan, we recommend that you compare its features to the PLUS loan (and state educational loans, if available). FinAid.org is a great resource for comparing private loan options.


Alternative educational loans:

  • Require credit approval.
  • Must be accounted for in the student’s financial aid package, even if the funding is sent directly to the student and does not require the school’s certification before it is approved.
  • Have variable interest rates that have no caps (Interest rates are based on the LIBOR rate or PRIME rate).
  • May have additional fees of up to 9.5% of the requested loan amount.
  • Cannot have a maximum loan amount that exceeds the cost of attendance minus the financial aid already awarded by the University.
  • Usually have the student as the primary borrower of the loan; a few lenders will allow other family members to borrow on behalf of the student.
  • Usually allow students to defer payments on the loan while they are in school at least half time (6 credit hours).
  • Usually allow students to capitalize the interest accrued on the loan once they graduate or leave school.
  • Usually allow a six-month grace period before students begin repaying.


Things to consider before you apply

If you choose to pursue an alternative loan, you should contact your financial aid counselor to explore your options first. If you are confident that you want to borrow an alternative loan, be sure to compare the costs associated with various loans before completing an application. Interest rates, fees, repayment periods, borrower benefits, customer service, and other features can vary significantly between loans. While many educational loans are available with no fees and interest rates less than 10%, other programs exist with fees up to 9.5% and interest rates over 14%. These higher rates can result in you paying thousands of dollars in additional costs. Be aware that some loan programs require you to make interest payments while in school. We will not take in-school loan payments into account in our aid package review, and we won’t consider it in appeals. Take the time to compare.

If you’ve borrowed through an alternative loan program before, staying with the same loan program is often the best choice. Please be aware that there are thousands of lenders who participate in student educational loans and you are welcome to pursue additional loans from any lender. To assist in your research, please see FinAid.org’s Private Student Loans page.

If you select a loan through a comparative website, go to the lender’s website to make sure you are getting the most up-to-date information before starting the application process.


Questions to ask a potential lender

Before completing an application, get the answers to these questions:

  • How much may I borrow?
  • What are the fees associated with the loan?
  • What is the interest rate and how often will it change (e.g., quarterly)?
  • Do I need to be at least 18 years old to receive the loan?
  • Do I need a co-signer? Can my co-signer be released from the loan after I enter repayment?
  • Can I receive a lower interest rate when I apply with a co-signer?
  • Can I defer payments while in school?
  • What are the terms of repayment?
  • Are there any penalties for paying the loan off early?

Loan Repayment

Repayment Plans


It’s important to find the right repayment plan for you in order to manage your money and make timely payments on your student loans after graduation. The government offers a variety of repayment plans to cater to different individuals’ needs. The federal loan repayment plans are listed below:

  • Standard Repayment Plan
  • Graduated Repayment Plan
  • Extended Repayment Plan
  • Income Based Repayment Plan (IBR)
  • Pay As You Earn Repayment Plan
  • Income-Contingent Repayment Plan
  • Income-Sensitive Repayment Plan

For more information on federal repayment plans, visit Federal Student Aid.


Loan Repayment Calculators

There are a variety of resources available to help plan your loan repayments both before and after you graduate. A few of these resources are listed below: