National Student Loan Data System – 2020 Log In Portal Guide

National Student Loan Data System 2020:

During your stay in college you were too busy to keep full track of your student loans. Even after college you are also too busy chasing your career. So this is where the National Student Loan Data System (NSLDS) comes into play. On this article, I will be talking more about the NSDLS and how to go about the login Process.

National Student Loan Data System - 2020 Log In Portal Guide

In this article, you get to read on;

The National Student Loan Data System (NSLDS) keeps a record of all the federal student loans you took out while in school. The database breaks down each type of loan and your student loan repayment status (e.g., in repayment, default, forbearance or paid in full).

What is National Student Loan System (NSLDS)?

The NSLDS is a database maintained by the U.S. Department of Education to aggregate loan and grant data. That is for all students who utilize federal funds to pay for school—both while you’re in school and once you’re repaying your loans.

The NSLDS allows borrowers to see a snapshot of all their federal loan and grant data. When you log into the NSLDS, you’ll be able to see; which types of loans you have, the original amount borrowed for each loan, current loan balances and statuses, and the servicer or holder of the loan.

While this information seems fairly straightforward, keep in mind that, in many cases, you’ll take out loans before even starting your degree, and won’t start paying them back until after you’ve graduated.

Information’s Provided by the NSLDS

NSLDS first receives information directly from:

  • Schools
  • Agencies that guaranty loans
  • The Direct Loan program
  • Other U.S. Department of Education programs

Then the information collected from above will now aid NSLDS on giving you exactly what you need. When accessing the NSLDS, you’ll find the following information on your student loans:

  • Loan type
  • The number of loans you have
  • The individual loan amount
  • When the loan was taken out
  • If any portion of your loan was canceled
  • Your total principal
  • Your outstanding interest
  • The status of your loan
  • Your loan servicer
  • Any kind of federal payment plan you may be on

Any details you don’t find on the main page can be found when you click on the number on the left-hand side. A page like the example below will fill in any missing information regarding your loan.

Each individual loan tells you its entire history. The database is helpful in determining how much you owe and your loan details. Once you have this information, you can begin tackling your student loan debt.

What to Do With the Information Provided By the NSLDS

The information provided by the NSLDS can set you up to begin creating your debt payoff plan. Start by considering the following details of your loans:

  • Your student loan disbursement dates:This helps determine what kinds of repayment plans you’re eligible for.
  • Your student loan types: Certain types of loans, like the Perkins Loan, can be eligible for cancellation. Federal student loans can also be eligible for forgiveness. Spend some time looking into which forgiveness plans you may qualify for.
  • Your total interest owed:The interest you owe should be calculated into your debt payoff plan. When making student loan payments, you first pay interest and a fee before the money is paid to your principal balance.
  • Your student loan servicer: Knowing your loan servicer is essential to making on-time payments and managing your student loan debt.

Steps to Login in to the NSLDS

Getting into the NSLDS is fairly painless if you know where to go.

1.Start by going to the NSLDS home page on your home computer using a secure connection.

2. Click on “Financial Aid Review” to access the details of all your student loans.

Steps to Login in to the NSLDS

3. Accept the privacy policy after reading it.

3. Accept the privacy policy after reading it.

4. You’ll be redirected to a new page that looks a bit different.

Here you’ll log in with your Federal Student Aid (FSA) ID. This replaced the old FSA PIN and Social Security number in order to protect your identity.

4. You’ll be redirected to a new page that looks a bit different.

If you don’t have one, create an FSAID from the same page. Make sure it’s something you’ll remember. You can now log in with your FSA ID for several purposes. If you need to apply for an income-driven repayment plan or Direct Loan Consolidation, you’ll also use your FSA ID.

5. Once you log in, you’ll find a report of all your federal student loans that looks something like the image below.

5. Once you log in, you’ll find a report of all your federal student loans that looks something like the image below.

This is an overall view of your student loans. Your total can be found in the bottom right-hand corner.

There’s an option to download your student loan data in the blue button. This exports a .txt file that’s hard to read and not helpful for most individuals. Looking at the web page itself and taking a screenshot if needed will be easier to decipher.


1. What information is available to me through the NSLDS web site?

NSLDS includes information on your federal student aid loans and/or grant amounts, outstanding balances, loan statuses, and disbursements.

2. When can I access the NSLDS web site?

The NSLDS web site is available 24 hours a day, 7 days a week. The web site may be unavailable for brief periods while maintenance is being performed which typically occurs during late hours or over the weekend.

3. How current is the NSLDS student aid information?

Grant information is reported to NSLDS daily. New loans are reported to NSLDS within 30 days of receipt of funds. If you have been making payments on a loan, the outstanding principal balance listed by NSLDS may be as much as 120 days old. You can contact your loan servicer for more up-to-date balance information.

4. How can I get my latest loan balance information?

You can call your current loan servicer. Your loan servicer handles all billing regarding your student loan, so they will have your most current loan information.

5. Who has access to my NSLDS information?

Federal privacy laws protect this information. The only people who can access NSLDS are those individuals that need the information to calculate your future aid eligibility, or to resolve questions about your loans or grants on a need-to-know basis.


National Student Loan Data System 2020

In conclusion, you should know that, private student loans can’t be found on the NSLDS website. You can obtain a record of all private student loans by ordering a free annual credit report. Any student loan you’re responsible for will show up on this report. It’s free to obtain every 12 months.

Using the NSLDS to access and organize your loans is the first step in taking control of student loans. Creating a plan can be the next step to offer some serious relief.

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