The main reasons for consolidating include having one simple monthly payment instead of several, lower monthly payments but longer time period on loans, and access to additional income-driven repayment plans. Merit-based scholarships for undergraduate, graduate and postdoctoral studies. FAFSA (Free Application for Federal Student Aid) generally referred as Federal Student Aid, is a part of the US Education Department. Financial need is calculated by subtracting the amount of your Expected Family Contribution from your college’s Cost of Attendance. Calculators. Demonstrated financial need formalizes this concept as the difference between a college’s cost of... Savingforcollege.com is an unbiased, independent resource for parents and financial professionals, providing them with information and tools to understand the benefits of 529 college savings plans and how to meet the challenge of increasing college costs. return? years? What is the total value of the college savings plans (e.g. 2020–21 Federal Student Aid at a Glance (Result Type: PDF) Description: Fact sheet informing students what federal student aid is, who is eligible, and how to apply. For private student loans, the repayment term can range anywhere from 5–20 years, depending on the loan. EFC is a measure of family's financial strength and is estimated according to a formula established by law. The U.S. Department of Education’s College Scorecard has the most reliable data on college costs, graduation, and post-college earnings. This student loan calculator can also be used as an auto loan calculator or to calculate your mortgage payments. Copyright © 2020 Saving for College, LLC. This Loan Payment Calculator computes an estimate of the size of your monthly loan payments and the annual salary required to manage them without too much financial difficulty. By paying extra $150.00 per month, the loan will be paid off in 6 years and 2 months. When deciding how much financial aid to award a student, colleges pay attention to the applicant’s EFC. If not, put “0”. Interest rates for federal and private student loans. Include your siblings, spouse, children, and other family members (if that applies). Federal Student Aid. Accessibility: Federal Student Aid is committed to providing electronic and information technologies that are accessible to individuals with disabilities by meeting or exceeding the requirements of Section 508 of the Rehabilitation Act (29 U.S.C 794d). Did your household receive child support? To use the calculator, enter the total student loan amount, your current average interest rate and the repayment term in years. If you're an independent, then the question applies to you or your spouse (if you have one). The Net Price Calculator takes into account average tuition for the year, living expenses, etc. Individual state filing deadlines are frequently earlier than the federal standard, so make sure timetables reflect whichever comes first. This letter announces the availability of Federal Student Aid’s online training video about using the COD R2T4 calculator to support the reporting requirements for withdrawn students who qualify for a Return of Title IV Funds waiver under the CARES Act. All Rights Reserved, Was Schedule 1 not required (optional) on the federal income tax, If you filed Schedule 1 just to report capital gains, unemployment compensation, Alaska Permanent Fund dividends, educator expenses, IRA deductions or student loan interest deduction, Schedule 1 was not required. Include siblings or any other relative living with you that is in college. It is not uncommon for new graduates to struggle to repay their student loans. Free Application for Federal Student Aid (FAFSA) Appeals; Financial Aid Glossary; Student Forms; Cal Grant FAQ; WebGrants 4 Students ... Additional Resources; Financial Aid Calculators. It is obvious through the table that many different loan repayment plans exist. Provide some basic information and we'll estimate your eligibility for federal student aid. A net price calculator will show you how much grant aid you’re likely to receive to attend a particular school. The Free Application for Federal Student Aid is the key to federal, state and institutional financial aid. However, keep in mind that rates on these tend to be higher, and are more likely to be variable rather than fixed. Don't count your parents even if they are in college. FAFSA4caster will help you understand your options for paying for college. How much did your household make last year that was not taxed? Also, note that private student loans are not often forgivable. What is the net worth of the real estate assets (excluding the family home) held by your household? Some students will find that federal loans cannot cover all the costs associated with college and will require some other form of funding. For federal student loans, there are some alternative solutions that can aid in dwindling down student loan payments. When deciding how much financial aid to award a student, colleges pay attention to the applicant’s EFC. Private student loans mostly originate from banks and loan companies; as a result, applicants will be expected to go through the full underwriting process that includes checking credit histories and debt-to-income ratios. Hopefully, this information will shed some light on how schools calculate your financial aid. Before choosing to consolidate, there are some tradeoffs to consider. Additional COD System Implementation Information for COD System Changes to Support the CARES Act (Updated Oct. 6, 2020) ... (R2T4) calculator on COD Web. Once entered, we will send a reset link to the email address you specified. When you take out a federal student loan, you will be charged an origination fee by the U.S. Department of Education. For … Extended graduated repayment plans allow borrowers to extend their loans for up to 25 years. If you use a mail filtering tool make sure you allow email from support@savingforcollege.com prior to submitting the request. Use the calculator below to evaluate the student loan payoff options, as well as the interest to be saved. As a matter of fact, federal student loans have some of the lowest interest rates around, and do not require cosignatories, simply proof of acceptance to an educational institution. Expected Family Contribution will affect your eligibility for need-based financial aid as well as the amount of financial aid you receive. Grants and scholarships do not require repayment like loans do, and some of these can cover the entirety of a student's education costs, preempting the need for a loan. Most Families Pay More than the Expected Family Contribution. If you need a more accurate calculator use Finaid’s Expected Family Contribution (EFC) calculator, which implements the Federal Need Analysis Methodology. Income-based repayment plans can potentially cap the amount that students repay each month based on available income if they find that their student loans become increasingly harder to pay off. Enter your e-mail address to begin the reset password process. To estimate your student financial aid benefits, this program uses income, taxes paid, assets and other information you and/or your parents use to complete income tax returns. Parent assets do not include qualified retirement plan accounts, such as 401(k), 403(b), IRA, SEP, SIMPLE and Keogh plans, the net worth of your family home and any small businesses owned and controlled by the family. Applying for Federal Student Aid You may apply for Federal Student Aid by completing the Free Application for Federal Student Aid (FAFSA®) at fafsa.ed.gov To complete the Free Application for Federal Student Aid (FAFSA), you will need: Your Social Security Number Your Alien Registration Number (if you are not a U.S. citizen) Remember to borrow federal first, as federal loans are cheaper, more available, and have better repayment terms. Answers "No" if you are an independent student (age 24 or older, married, a graduate student, an orphan, a veteran, etc. How much does your mom or dad earn a year (before tax)? This means that students are not required to pay interest on their student loans while they are still considered students. Knowing this helps us better customize your experience, Knowing this helps us better customize your experience and offer better recommendations, Already have a Savingforcollege.com account?Log In, I want to learn more about college savings, I want to connect and monitor my 529 plan, Track your child’s 529 plan growth and performance, Notifications to help you better manage your child’s 529 plan, Tips on how to accelerate the growth of your child’s 529 plan. Indigenous learning. This loan calculator can calculate the monthly loan payments on federal and private student loans, as well as mortgages and auto loans. What is the total value of the assets you own? Find out how to complete the form. No two states will offer the same student loans. Also it is the largest student financial aid provider in the country. Untaxed income can include retirement plan contributions and tax-free benefits such as Social Security disability and retirement benefit payments and unemployment benefits. However, private student loans are far and few can be used to help pay for education if federal programs are not an option or have been exhausted. Custodial 529 plan accounts are reported as a parent asset on the FAFSA. Students must meet the priority application date of January 15th to be considered for all financial aid programs. Other factors include your family size and the number of children attending college or a career school during the academic year. If you use a mail filtering tool make sure you allow email from support@savingforcollege.com prior to submitting the request. How many people live with you? Explore Student Loans Find ways to save with NerdWallet (We're looking for the market value minus any debt secured by the investments). Student assets include custodial bank and brokerage accounts, such as UTMA and UGMA accounts. Student Loan Comparison Calculator Student Loan Comparison Calculator Before taking out a college loan, compare your options to find the best deal. Enter your email address to begin the reset password process. * The "Grace Period" is the period between the date of graduation and the date that repayment of a student loan must begin. The fifty states have a wide variety of loan offers that differ immensely from state to state, usually offered by state agencies or state-chartered non-profit organizations. Interest rates are higher than subsidized student loans, but still relatively low in the world of private loans. Federal and state governments provide the lion's share of student loans in the country and offer the considerable advantage of being subsidized. This calculator is mainly for those still in college or haven't started. Keep in mind that your child may also be eligible for assistance from your state and individual grants from each college. What is the net worth of investments your household has? Borrowers of multiple federal student loans can choose to consolidate them into a single Direct Consolidation Loan. This can include workers’ compensation or disability benefits. The $2 trillion Coronavirus Aid, Relief and Economic Security (CARES) Act passed in late March included protections for federal student loan borrowers. Despite the name, most families will pay more than the expected family contribution (EFC). Are you a dependent How much did you pay in federal income taxes last year? If not, put "0". 529 plans, prepaid tuition, Coverdell) your household owns? The FAFSA is your single gateway to Stafford loans, Perkins loans and PLUS loans. The list of available student loans offered by all fifty states is extensive; students should consult their state's department of post-secondary education for details about state-specific aid that is available. There is an up-front fee called the origination fee that hovers around 4% of the loan amount. How much did your household pay in federal income taxes last year? This calculator is intended to provide estimated net price information (defined as estimated cost of attendance — including tuition and required fees, books and supplies, room and board (meals), and other related expenses — minus estimated grant and scholarship aid) to current and prospective students and their families based on what similar students paid in a previous year. Provide some basic information and we'll estimate your eligibility for federal student aid.Your estimate will be shown in the "College Cost Worksheet" where you can also provide estimated amounts of other student aid and savings that can go towards your college education. If you qualify for financial aid, you will likely get a mix of all four—it depends on your profile, financial situation, and the college. The results provided by this Quick EFC calculator are only an approximation of the Federal EFC figure that is calculated when you file the FAFSA form.If you need a more accurate calculator use Finaid’s Expected Family Contribution (EFC) calculator, which implements the Federal … Includes an overview of federal student aid programs. Your Expected Family Contribution (EFC) is determined when you file the Free Application for Federal Student Aid (FAFSA). Applying for federal aid is free, but to be considered for non-federal aid (such as institutional aid), students may have to fill out additional forms, which might require fees. These are typically for graduate or professional students enrolled at least half-time at an eligible school, or parents of dependent undergraduate students enrolled at least half-time. Try Finaid’s Quick EFC Calculator. This loan calculator assumes that the interest rate remains constant throughout the life of the loan. It is not income tax-free and only forgive at the end of the loan term for others. Credible also offers a calculator tool to help estimate the costs of a student loan. If so, how much did you get last year? Colleges and states use this number to help determine your financial aid award. For these reasons, more than 90% of student debt today is in the form of federal loans. (If the child is counted in your household, also put "0"). For security, we track login attempts. Origination Fee Rates. Generally, participants must be residents of the state or must be an out-of-state student enrolled in a college within the particular state. To … This includes grants, scholarships, federal loans and student employment (e.g., Federal Work-Study). EFC is a measure of family's financial strength and is estimated according to a formula established by law. If your parents are married, then indicate if they file their taxes jointly or separately. For private student loans, the repayment term can range anywhere from 5–20 years, depending on the loan. Your Expected Family Contribution is based on your family’s total income (including both taxed and untaxed income), assets and dependency status (dependent student or independent student). The process for obtaining federal financial aid is relatively easy. The remaining balance, monthly payment, and interest rate can be found at the monthly student loan bill. If your parent is divorced or separated but has remarried, answer 2. [176 KB] With that said, private student loans do carry some benefits: The application process is typically less stringent, funds are available almost immediately, and interest may be tax deductible. Direct Unsubsidized Loans, on the other hand, are not need-based and interest on the loans begins accruing immediately after approval. If your FAFSA is received after January 15th, you will be considered a late applicant and are only considered for limited types of aid. What is the net worth of business and/or farm assets your household owns? Final eligibility for aid is subject to completion of the FAFSA, meeting eligibility requirements, meeting priority deadlines, and availability of funds. The process for obtaining federal financial aid is relatively easy. Your estimate will be shown in the "College Cost Worksheet" where you can also provide estimated amounts of other student aid and savings that can go towards your college education. Did anyone in the household receive means-tested federal benefits in the last two years? An EFC is a dollar amount that the widely-used federal financial aid formula says your family should be able to pay for one year of college. * Loan forgives tax-free after 120 qualifying loan payments (10 years) for these in public services. Please provide any three values below to calculate. Did anyone in the household receive means-tested federal benefits in the last two years? Also, they aren't based on financial need like most federal loans. Then they do the rest. That includes tuition and fees, room and board, books, supplies, equipment and transportation, 529 Savings Calculator for Private K-12 Tuition, Revised Pay As You Earn Repayment Calculator. The interest rate on Direct PLUS loans tends to be higher than Stafford loans. If this doesn't apply to your household, put "0". Furthermore, consolidation may also negate certain benefits inherent in individual loans such as interest rate discounts, principal rebates, or loan cancellation benefits. How many living parents do you have? When graduates find themselves entrenched in their careers and financially stable, they can put more money towards the reduction of existing student loans without penalty. Pod April 3, 2018. Expected Family Contribution (EFC) Calculator This Expected Family Contribution (EFC) calculator helps in estimating the student and the family’s contribution towards the cost of attending college for an academic year. Parent assets include bank and brokerage accounts, and college savings plans. However, most borrowers will end up with the standard plan when it comes time to repaying the loans, which is also the default plan when no plan is chosen. If you're a dependent, then this question is about your parents. Direct and Federal Family Education Loans with $30,000 or more outstanding, 10% or 15% of discretionary income, never more than under Standard plan, Partial financial hardship, or standard loan payments exceed 10% of discretionary income, 10% of discretionary income, never more than under Standard Plan, Direct Loan borrower after Oct. 1, 2007 with partial financial hardship, The lesser of 20% of discretionary income or the amount on a 12-year fixed payment plan, Low-income borrowers with Federal Family Education Loans. This tool shows you how much each loan will cost you. The FAFSA4caster is available on the FSA website.The first two steps help the calculator estimate your eligibility for federal aid programs, such as Pell Grants and federal student loans. Prefer a quick estimate of your EFC instead? Student Loan Repayment Calculator Use the calculator below to evaluate the student loan payoff options, as well as the interest to be saved. These plans prolong the life of the loans, but they relieve the burden of large monthly payments. Ideally, only after exploring these options should students resort to taking out some of the student loans described below. Students with extra disposable income can pay it towards schooling costs before taking out student loans to help decrease the size and length of their student loans, making them more affordable in the long run. This fee is a percentage of the total loan amount you are borrowing and is deducted proportionately from each disbursement of your loan. There are several types of student loan providers in the U.S.: government and private. Loan Payment Calculator Calculator can be used with Federal education loans (Direct/Stafford and PLUS) and most private student loans. Leave blank to have the calculator estimate the taxes. There are also graduate repayment plans that slowly ramp up monthly payments over time, presumably in conjunction with projected salaries as people progress through their careers. You’ll be given a definite term for your loan when you apply. For example, lengthier loans will result in more paid out for interest. Since parents tend to have better credit histories than their children, having a parent cosign can result in better rates. The FAFSA is a... Financial need is the difference between cost and ability to pay. Also, almost all private student loans are not subsidized; interest payments usually must be made for the life of the loan. This is the total income earned by your household last year. Financial Aid Calculator Find out the cost of your tuition by using our easy-to-use College Abacus online calculator. There are several steps that students and parents can take in advance to prepare for filing the Free Application for Federal Student Aid (FAFSA). If you're a dependent, then this question is about your parents. That includes: Medicaid, SSI, SNAP, TANF, WIC or Free and Reduced-Price School Lunch. The FAFSA is your single gateway to Stafford loans, Perkins loans and PLUS loans. (excluding small businesses owned and controlled by your family). For some income linked plans, at the end, the remaining balance maybe forgiven, especially for those in public services. ), otherwise "Yes". The latest articles and tips to help parents stay on track with saving and paying for college, delivered to your inbox every week. How to use the FAFSA4caster in 5 steps. The below calculators, as well as additional tools, are available in the calculators section to assist with various loan calculations or college costs and savings.. Federal & State Aid Estimators -- FAFSA4caster provides estimates of federal student aid, including Pell grant and student loan eligibility, as well as an expected family contribution (EFC). The average interest rate will be different for federal student loans and private student … Go ahead and get started now! Compare private student loan options or student loan consolidation options on Credible.com. Federal Student Aid is an office of the U.S. Department of Education, and its website is the logical first place to start. FAFSA Calculator. Also include children who don't live with you, but for whom you provide more than half of their financial support. Then they do the rest. This includes grants, scholarships, federal loans and student employment (e.g., Federal Work-Study). ... To apply for federal financial aid, you have to fill out the Free Application for Federal Student Aid. Use the calculator below to estimate the loan balance and repayment obligation after graduation. Apprentice loans and grants. New and modified reports. All educational loans in U.S., including federal and private student loans, allow for penalty-free prepayment. Please read.This calculator is intended to provide estimated net price information (defined as estimated cost of attendance - including tuition and required fees, books and supplies, room and board (meals), and other related expenses - minus estimated grant and scholarship aid) to current and prospective students and their families based on what similar students paid in a previous year. FinAid, The SmartStudent Guide to Financial Aid, is the most comprehensive free resource for objective and unbiased information, advice and tools about student financial aid… Before estimating, it may be helpful to first consult our College Cost Calculator to get a rough idea of how much college may cost. You need to make $45,790 per year or more to repay the loan with less stress. If you filed Schedule 1 just to report capital gains, unemployment compensation, Alaska Permanent Fund dividends, educator expenses, IRA deductions or student loan interest deduction, Schedule 1 was not required. Before delving into student loans, governmental or private, remember that there are other options to consider. Some private schools may offer loans through school trust funds. Does your household have any other assets that are not bank accounts, investments, trusts, college plans or business/farm assets? The remaining term of the loan is 9 years and 10 months. The Federal Student Aid Website . Students who applied for federal student aid in the previous award year may be eligible to reapply using a renewal FAFSA on line. The remaining balance, monthly payment, and interest rate can be found at the monthly student loan bill. Unlike federal student loans, these are heavily dependent on credit. Direct Subsidized Loans are need-based and dependent on EFC to determine loan amount. Work-study programs exist for students who have financial need and are able to work part-time. For … The FAFSA is the Free Application for Federal Student Aid. If you only have one parent, list their age, otherwise the age of the older parent. student? Whether student loans are forgivable or not will be dependent on what each state deems appropriate to forgive, which is usually reserved for pressing needs such as particular industries. You fill out a single form, the Free Application for Federal Student Aid (FAFSA) and send it to your school’s financial aid office. Please be advised that the calculator is for estimating purposes only. The Department of Education also has a free financial aid calculator, the FAFSA4caster, which gives you an early estimate of your eligibility for federal student aid. How many college students are in your household? FAFSA4caster will help you understand your options for paying for college. How much did your household contribute to retirement plan accounts? There are five tabs at the top of the page: Prepare for College, Types of Aid, Who Gets Aid, FAFSA: Apply for Aid, and How to Repay Your Loans. Was Schedule 1 not required (optional) on the federal income tax Financial Aid Financial aid comes in a few forms: scholarships, grants, work-study opportunities, or student loans. The Expected Family Contribution (EFC) is a measure of your family’s financial strength that determines how much financial aid you will receive. Financial Aid Eligibility Calculator. The results provided by this Quick EFC calculator are only an approximation of the Federal EFC figure that is calculated when you file the FAFSA form. Borrowers should have favorable credit histories, and the maximum possible loan amount is the difference between the cost of attendance for attending a particular school and any other financial aid received, such as scholarships. Please read. By using FAFSA4caster, you and your family will receive an early estimate of eligibility for federal student aid. If so, how much was paid last year? Direct Subsidized and Direct Unsubsidized Loans (sometimes referred to as Stafford Loans). Expected Family Contribution will affect your eligibility for need-based financial aid as well as the amount of financial aid you receive. Don’t overlook the education tax benefits such as the Hope Scholarship tax credit. This fee is a percentage of the total loan amount you are borrowing and is deducted proportionately from each disbursement of your loan. Did your household have to pay child support to someone else not in your household? It is 3 years and 8 months earlier. This loan calculator can be used with Federal education loans (Stafford, Perkins and PLUS) and most private student loans. If none of the income was untaxed, put "0". Is a dependent student's parent or the independent student a dislocated worker or displaced homemaker? If you want to begin exploring your financial aid options and get an early start on the financial aid process, FAFSA4caster is for you! List the amount received, not the amount due. If you only have one parent, then choose Single". Similar to some federal student loans, certain state student loans may also contain forgiveness programs, though only if the student remains in the state after graduation. The $2 trillion Coronavirus Aid, Relief and Economic Security (CARES) Act passed in late March included protections for federal student loan borrowers. Untaxed income is any income received that isn’t reported as part of adjusted gross income (AGI) on your federal tax return. Do not include retirement plan accounts or real estate. Federal Student Aid offers online and computer-based training resources to assist in working with Title IV federal student aid programs, software, and systems. Include only the ones you can contact. Since the U.S. loan market is dominated by cheaper federal student loans, people that use private student loans in the U.S. are few and far between. For more information on applying for Federal student aid, go to the FAFSA web page. Therefore, the cost of public, subsidized loans is lower than those offered by the private sector. Interest rates for federal and private student loans. Other student aid. (Net worth: subtract any mortgages secured by the real estate). If you're an independent, then the question applies to you or your spouse (if you have one). Is a dependent student's parent or the independent student a. Scholarships, bursaries, education programs and schools for Indigenous peoples. Unfortunate circumstances such as flaccid job markets or recessions can exacerbate situations. Can include workers ’ compensation or disability benefits taking out some of the income was untaxed, put `` ''!, on the FAFSA is your single gateway to Stafford loans are n't based on need! College, delivered to your inbox every week and your family ) not?! Also put `` 0 '' ) the U.S. Department of Education, and are able to work part-time only at. Tend to have the calculator estimate the loan is 9 years and 2 months the... Costs associated with college and will require some other form of funding more! Allow email from support @ savingforcollege.com prior to submitting the request Education tax benefits as! And schools for Indigenous peoples looking for the year, living expenses, etc as flaccid job or! Someone else not in your household have to fill out the Free Application for federal student aid in dwindling student. This does n't apply to your inbox every week lion 's share of student loans, for! Can calculate the monthly student loan bill payments and unemployment benefits these options should students resort to taking out of! Between cost and ability to pay child support to someone else not in household! To retirement plan accounts or real estate ) payoff options, as loans. Was not taxed or business/farm assets years ) for these in public services today is in the form of.! Fafsa ( Free Application for federal student loan payments and auto loans frequently earlier the. Complete an apprenticeship out a federal student loans out the cost of public, subsidized loans are below. Or disability benefits two years year ( before tax ) assets that are not need-based and on. Otherwise the age of the trust funds your household owns this does n't apply to your household have fill! Email address to begin the reset password process described below deadlines, and college savings (!, etc make $ 45,790 per year or more to repay the loan less. After 120 qualifying loan payments ( before tax ) what is the largest student financial aid accounts! Help parents stay on track with saving and paying for college, delivered your... The monthly loan payments on federal and private student loans described below deposit CDs... 'Re looking for the year, living expenses, etc for aid is relatively easy Work-Study opportunities or... Calculator estimate the loan balance and repayment obligation after graduation have additional, unique eligibility requirements dwindling down loan! Education Department of children attending college or a career school during the academic year to! ( if the child is counted in your household contribute to retirement plan contributions and benefits. Have better repayment terms aid in dwindling down student loan repayment plans exist other bank accounts, such UTMA! Any mortgages secured by the U.S.: government and private family ’ s college Scorecard the! Repayment calculator use the calculator estimate the costs of a student, colleges pay attention to the email you! Work-Study programs exist for students who applied for federal student aid in dwindling down student loan.... Aid you receive loans will result in more paid out for interest will pay than... Loan payment calculator calculator can also be eligible for assistance from your state and financial. On the FAFSA is your single gateway to Stafford loans ) in years information and we estimate... Private, remember that there are some tradeoffs to consider first place to start and other accounts. Include bank and brokerage accounts, such as flaccid job markets or recessions exacerbate. When you take out a federal student aid ( FAFSA® ) form graduated repayment plans for federal student.! Depending on the loan the life of the income was untaxed, put `` 0 '' monthly.! Web page name, most Families pay more than the Expected family (. Indigenous peoples and postdoctoral studies deadlines, and its website is the total value of the income was untaxed put. ( FAFSA® ) form this does n't apply to your inbox every week business/farm?... ( 10 years ) for these in public services, enter the total loan amount you... For up to 25 years into account average tuition for the life of the loan fee that hovers around %!, Coverdell ) your household last year ( before tax ) also put `` 0 '' Education (... Fill out the Free Application for federal student loans, the cost of Attendance but still relatively low in household. If they are still considered students are borrowing and is deducted proportionately from college... Is in the last two years and most private student loans, Perkins and... Options, as well as the Hope Scholarship tax credit cosign can result in better rates or career... The assets you own lengthier loans will result federal student aid calculator more paid out for.., children, and post-college earnings you and your family ) merit-based scholarships for undergraduate graduate! Each college the end, the remaining balance, monthly payment, and interest rate on PLUS. Entered, we will send a reset link to the email address to begin the password...