Let’s work together to drive your institution’s recruitment, retention, and completion performance by better preparing students to manage the cost of their education.
Meet the schools we partner with, and hear what makes those partnerships so succesful.
Read our research and analysis—a perspective gleaned through 60 years working within higher education.
Sign up for a free Salt account, and gain the knowledge and confidence to take on one of life’s most important decisions: pursuing higher education.
Learn about our in-person counseling and support for any student who wants to attend college.
Access free content, forms, and tools to help you make smart decisions about your loans before, during, and after college.
Learn about our history, and mission to demystify higher education financing for prospective students, students, and alumni nationwide.
Want to join us? See what it’s like to work on our team, and explore some of our open positions.
Meet the board of directors and management team at ASA.
Financial aid can be complicated and confusing, but for many, it’s essential to obtaining a college degree. Learn these basics before you borrow.
Our free online program to help you take control of your student loans, money, and career.Federal Student Aid
Federal student aid resources, regulations, and information from the U.S. Department of Education.The College Board
Information about college planning, admissions tests, applications, and finding financial aid.Consumer Finance Protection Bureau
A free college cost and financial aid comparison tool to help you plan for now, and after graduation.Fastweb
An online search tool that provides access to over 1.5 million scholarships in one place.IEFA, the United Negro College Fund, and A Better Chance
Specialized financial aid resources.
In-person college, career, and financial aid planning and guidance for young people and adults.MassEDCO
Counseling for adults looking to return to school, advance their career, or pay for their education, via Educational Opportunity Centers.Boston Youthzone Scholarship Guide
A network of community organizations and businesses that provide guidance, mentorship, and skills to young adults.FAFSA Day
A non-profit offering free assistance to students and families filling out the Free Application for Federal Student Aid (FAFSA).
Successfully repaying your student loans means staying informed and knowing all your options. We’ll help you do both.
You have options when it comes to paying back your student loans. Click below to learn more about repaying your unique loan. If you’re struggling, you may be able to change your repayment plan, or pause or have your payments forgiven.Repaying Federal Student Loans
Student loan debt can make financial freedom seem impossible, but don’t give up. Visit Saltmoney.org, or click the links below for smart ways to start taking control of your money today.Managing Credit Reports and Credit Scores
A loan discharge releases you from all or a portion of your student loan debt obligation. Click below to learn the ways you may be eligible.Salt® eBook: 100+ Ways To Get Rid of Student Loans Without Paying Them
Get step-by-step directions for managing your student loans. Click the link below that best describes your situation to download your customized checklist:I am finished with school and have no plans to re-enroll within the next 6 months.
Accidentally missing a payment can happen, but if you fall behind, it means your student loans are delinquent. Click below to learn the consequences, and how you can fix things before you default.Understanding Delinquency & Default
Losing your job, getting sick, or having financial trouble can make repaying your student loans even harder. Click below to learn if temporarily suspending payments using deferment or forbearance is a good option for you.Should You Postpone Your Student Loan Payments?
If you began borrowing loans prior to 1993, the process for deferment is different, but deferments are available during:
To apply, you will need to provide documentation of your status to your student loan servicer (the company that sends you the bills) with certification from an authorized official. Contact them directly to find out exactly what documentation applies to your specific situation.
Having a loan default can seem scary, especially considering the consequences. Knowing how you reached this point is important. So is knowing what to do about it. Click below to learn more and start making a plan.Understanding Delinquency & Default
American Student Assistance® (ASA) may own your loan if it has defaulted. Our role is to help you reverse default’s negative effects—and to remind you that you can recover from default.
We know default can be overwhelming. Rely on us for accurate, timely, and credible information and support.
In our role as guarantor, ASA holds a number of defaulted FFELP loans, and assigns collection agencies to collect on them. If this has happened with your loan, you should pay the collection agency directly. If you are not sure who that is, you can call us at 800.343.2120 to ask. If you are not sure whether ASA holds your loan, check at nslds.ed.gov.