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Home > Loan Document Tutorial

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Loan Documentation

Candidates applying as Initial applicants may be requested to provide extensive documentation on their loans, to demonstrate that their educational debt is eligible for Loan Repayment. The Division of Loan Repayment recommends that you begin collecting this documentation as soon as possible. Our experience shows that it can take many months for applicants to gather all the documentation, and there have been instances where loans have been deemed ineligible and/or the application has been withdrawn because appropriate documentation was not provided. It is never too early to begin pursuing your Loan Documentation.

Loans that have not been consolidated require:

1. Promissory notes that contain the following:
  • a. Your name
  • b. Type of Loan
  • c. Disbursement Dates
  • d. Disbursement Amounts


If the promissory note does not include all of the information, additional Disclosure Statements/Disbursement Reports will need to be obtained from you lender/servicer to supplement the missing information. The NSLDS will not suffice.

Examples of Master Promissory Notes

http://www.lrp.nih.gov/pdf/1009_2_LT_MPN_Sample.pdf http://www.lrp.nih.gov/pdf/1009_2_LT_perkins_Master_Promissory_Note.pdf

Examples of Federal Disclosure Statements

2. Account Statements, less than 30 days old, that contain the following:
  • a. Lender Information
  • b. Account number and your name
  • c. Current Principle
  • d. Current Interest
  • e. Interest Rate
  • f. Current Repayment Status
  • g. Date of account statement
  • h. Original Loan Amount (optional, but very helpful in identifying loan eligibility)

These can usually be accessed from your account on your lender/servicer’s website. However, if any information is missing, you will need to request additional documentation from your lender/servicer. Examples of Account Statements: http://www.lrp.nih.gov/pdf/1009_2_LT_web-based_account_statement.pdf


3. The full NSLDS report*, showing

*The NSLDS will not be accepted as a substitute for Promissory Notes or Disclosure Statements

Consolidated loans require:

1. Consolidation Promissory Note that contains the following

  • a. A list of the loans that were consolidated
  • b. The type of loans that were consolidated
  • c. The original owner of the loan that was consolidated
  • d. Date of consolidation
  • e. Individual loan amounts of all loans at the time of consolidation
  • f. Amount of consolidation

If the consolidation promissory note does not include all of the below, additional Disclosure Statements/Disbursement Reports will be needed to supplement the missing information. This must be obtained from the lender/servicer, and is to ensure that all loans in the consolidation were eligible for repayment under the LRP program. The NSLDS report will not suffice.

Examples:
Direct consolidation promissory note
http://www.lrp.nih.gov/pdf/0511_1_direct_consolidation.pdf

HEAL Consolidation Promissory Note http://www.lrp.nih.gov/pdf/1009_2_LT_Heal_Consolidation_PN_Sample.pdf

Examples of Federal Disclosure Statements

2. Consolidation Account Statements, less than 30 days old, that contain:
  • a. Lender Information
  • b. Account number and your name
  • c. Current Principle
  • d. Current Interest
  • e. Interest Rate
  • f. Current Repayment Status
  • g. Date of account statement
  • h. Original Loan Amount (optional, but very helpful in identifying loan eligibility)

These can usually be accessed from your account on your lender/servicer’s website. However, if any information is missing, you will need to request additional documentation from your lender/servicer.


Example of Consolidation Account Statement:
http://www.lrp.nih.gov/pdf/1009_2_LT_web-based_account_statement.pdf

3. The full NSLDS report*, showing


*The NSLDS will not be accepted as a substitute for Promissory Notes or Disclosure Statements

 

Lender Resources

Normally, you should have a copy of your promissory notes in your records and current account statements are readily available on your lender’s website.

If you have difficulty obtaining the required documentation, it is best that you speak with your lender’s Customer Service manager to expedite your request. Ensure that the loan documents are sent to YOU directly.

Below is a list of educational lenders and Department of Education contact information that will be able to assist you in obtaining the required loan documentation:

Servicer

Contact Number

Servicer Website

Nelnet

1-866-463-5638

www.nelnetloanservicing.com Exit Disclaimer

Great Lakes Educational Loan Services, Inc.

1-888-686-6919

www.mygreatlakes.org Exit Disclaimer

Navient (formerly Sallie Mae)

1-888-272-4665

www.navient.com Exit Disclaimer

FedLoan Servicing (PHEAA)

1-800-655-3813

www.myfedloan.org Exit Disclaimer

MOHELA

1-888-866-4353

www.mohela.com/schools Exit Disclaimer

ESA/Edfinancial

1-855-845-1001

www.edfinancial.com/DLSchools Exit Disclaimer

CornerStone

1-877-336-7397

www.MyCornerStoneLoan.org Exit Disclaimer

Aspire Resources Inc

1-888-902-6077

www.AspireResourcesInc.com Exit Disclaimer

Granite State - GSMR

1-800-303-8353

www.gsmr.org Exit Disclaimer

OSLA Servicing

1-866-264-9762

www.osla.org Exit Disclaimer

VSAC Federal Loans

1-888-307-8722

www.vsacfederalloans.org Exit Disclaimer

Department of Education Contact Information

StudentLoans.gov

1-800-848-0978

studentloans.gov

NSLDS

1-800-999-8219

www.nsldsfap.ed.gov

The Department of Education

1-800-872-5327

www.ed.gov/

Loan Consolidation

1-800-557-7392

www.loanconsolidation.ed.gov/


For Consolidated loans, you may contact your lender’s Consolidation Department to obtain a copy of your Consolidation promissory note:

Servicer

Contact Number

Nelnet
www.nelnet.com Exit Disclaimer

1-866-486-4722

Great Lakes Educational Loan Services, Inc.
www.mygreatlakes.org Exit Disclaimer

1-800-236-4300

Navient (formerly Sallie Mae)
www.navient.com Exit Disclaimer

1-800-722-1300

FedLoan Servicing (PHEAA)
www.myfedloan.org Exit Disclaimer

1-800-699-2908

MOHELA
www.mohela.com Exit Disclaimer

1-888-866-4352

ESA/Edfinancial
www.edfinancial.com/DL Exit Disclaimer

1-855-337-6884

CornerStone
www.MyCornerStoneLoan.org Exit Disclaimer

1-800-663-1662

Aspire Resources Inc
www.AspireResourcesInc.com Exit Disclaimer

1-855-475-3335

Granite State - GSMR
www.gsmr.org Exit Disclaimer

1-888-556-0022

OSLA Servicing
www.osla.org Exit Disclaimer

1-866-264-9762

VSAC Federal Loans
www.vsacfederalloans.org Exit Disclaimer

1-888-932-5626



If your lender is not listed here, you may obtain your loan documents by contacting the Customer Service number listed on your account statement.



Date Last Updated: February 27, 2015


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