Good Habits: Login To Track Your Student Loans

By: Bryan Lee, UHEAA

College students can qualify for federal student loans and private student loans to help pay for college. Being a responsible borrower means tracking your loan information frequently. It’s a good practice to login and track your loans at least once a month – federal or private.


Keeping Track of Federal Student Loans

To access your federal student loan information you’ll need to login to the National Student Loan Data System (NSLDS) using your FSA ID. Depending on your needs, you can access your personal information on the following websites:,,, and

Here’s what you can do with your FSA ID:

  • Electronically sign your FAFSA
  • Import your tax information into the FAFSA
  • Make corrections to your information on the FAFSA
  • Monitor your Student Aid Report (SAR)
  • Review your loan disbursement history
  • Track your loan amount(s)
  • Find your loan servicer’s contact information
  • Find entrance and exit counseling
  • Apply for income-driven repayment plans
  • Estimate your student loan payment

Learn more about your FSA ID here.

Keeping Track of Private Student Loans

Each private student loan lender has their own login system. You and your cosigner should know how to log into your account. Here are some reasons to log into your online account:

  • Review your account status
  • View your disbursement and payment history
  • Make a payment
  • Find or retrieve your loan details
  • See your account balance
  • Sign up to receive loan information
  • Send secure emails
  • Update your personal information—such as home address and phone number

Student Loan Wisdom (Things You Need to Know):

  • Your loan information is sensitive and should not be shared.
  • Keep your login information secure to prevent unauthorized access from unknown individuals or data storage systems.
  • Do not give your account login information to anyone—even someone assisting with an account issues or loan application process.
  • Do not save your login information on internet browsers, especially when using public Wi-Fi.
  • If you’re using a public computer or a friend’s computer delete browser history from each browser used to access any loan accounts.
  • Track loan account information at least once a month.
  • Learn the best student loan repayment option for your situation.
  • Tracking loan accounts can help you avoid defaulting on your student loan
  • Keep watch for any account balance discrepancies and contact loan providers as soon as possible if you see any unauthorized activity.