These programs simplify loan repayment by combining several types of Federal education loans (that may have different terms and repayment schedules or may have been made by different lenders) into one new loan. The interest rate may be lower than on one or more of the underlying loans. In addition, the monthly payment amount on a consolidation loan is usually lower and the amount of time to repay may be extended beyond what was available in the separate loan programs. These features should result in more manageable debt, and make borrowers less prone to default.

Part of the Direct Loan Web site, this link provides direct access to the Student page where borrowers and parents can find Direct Loan information and publications as well as an interactive repayment calculator.

The Web site includes features such as a detailed borrower account history, an on-line repayment plan and payment due date change option, an interactive deferment and forbearance determination feature, online payments, electronic mail services, and much more.

This site contains the "Fiscal Operations Report and Application to Participate (FISAP)" for the three Campus-Based programs: Federal Perkins Loan, Federal Supplemental Educational Opportunity Grant (FSEOG), and Federal Work-Study (FWS). In addition, this site allows users to access Campus-Based account data and view reports. For information on the eCampus-Based system and instructions for completing the FISAP, users can go to the FISAP Tutorial located on the welcome page of eCB.

This Web site allows individuals to complete online Direct Loan Entrance Counseling and a Direct Loan electronic Master Promissory Note (MPN) for Direct Subsidized Loans, Direct Unsubsidized Loans, and/or Direct PLUS Loans. Direct PLUS Loan borrowers can complete a request for a Direct PLUS Loan and initiate a credit check online. Direct PLUS Loan endorsers can complete an online Endorser Addendum. Electronic loan correspondence and links to other tools and resources can be viewed on this Web site.

This Web site allows Teacher Education Assistance for College and Higher Education (TEACH) Grant recipients to complete TEACH Grant initial and subsequent counseling. In addition, this Web site allows recipients to complete a TEACH Grant Agreement to Serve (ATS).

This directory allows post-secondary institutions to determine whether or not a teacher who received a Federal Perkins Loan, Direct Loan, or Federal Family Education Loan at their school is eligible to receive a loan cancellation as provided under Title I of the Elementary and Secondary Education Act of 1965.