Know What You Owe With NSLDS


If you need information on your student loans but aren’t sure who to contact, the National Student Loan Data System (NSLDS®) is an excellent place to start.

The most important part of student loan borrowing is learning to manage debt. As a borrower, it’s your responsibility to keep track of your loans and to make on-time payments. NSLDSSM can help you.

NSLDS is the U.S. Department of Education’s (ED) central database for federal student aid records. It tracks your loans from the time you apply until you complete repayment. NSLDS allows you to see details about all your federal student loans at the same time (private loans are not in NSLDS). This includes:

  • Loan type (subsidized Stafford, unsubsidized Direct Stafford, etc.)
  • Original loan amount
  • Date of issue
  • Amount disbursed
  • Loan holder or servicer
  • Loan status (examples: in repayment, deferred, or in default)
  • Amount you currently owe

Your Personal Information

If you’re currently in school and aren’t sure how much you owe, you can use NSLDS to start keeping track. If you’ve already graduated and need help figuring out how much you owe and who holds your student loans, NSLDS can help with that, too. You can use our student loan portfolio (pdf, 0.42 MB) to keep tabs on all of your loan information.

The NSLDS website is available 24 hours a day, 7 days a week. Once you log on, you will be asked for:

  • Your Social Security number
  • The first 2 letters of your last name
  • Your date of birth
  • Your PIN

Your PIN is the number you used when filling out your Free Application for Federal Student Aid (FAFSA). If you do not know your PIN, you can request a duplicate from the Federal Student Aid PIN website.

How Current Is This Information?

New loans are reported to NSLDS within 30 days of funds being received. If you have been making payments on a loan, the outstanding principal balance listed by NSLDS may be as much as 120 days old. Contact your loan servicer (the agency you will or currently make payments to) for more up-to-date information.

Need Help Navigating NSLDS?

The NSLDS page may be a bit confusing at first. If you’re having trouble finding your information, these simple instructions can help.