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The U.S. Department of Education administers and oversees several loan programs designed to offer low-interest funding to students and their parents who need to borrow money to cover the costs of education - including Federal Direct subsidized and unsubsidized loans, and Federal Direct PLUS loans. These federal loans have fixed interest rates, consumer protections, and flexible repayment options not available with any other loan program. Loans must be accepted through PAWS by the end of the semester in order to be dispersed.

Financial Awareness Counseling Tool

Get Answers Money Management FaTV BannerThe Financial Awareness Counseling Tool allows students to personalize five interactive modules about loans, budgeting, repayment, default, and financial planning. To import your personal information you will need to log in with your Federal Student Aid ID & password. Once logged into the site, select "Complete Counseling" and follow the prompts. FACT is not required, but is encouraged to provide you with additional information regarding successful repayment of your federal student loans.

Before You Borrow

It is also important to take starting salaries into account when determining how much student loan to utilize. Take the time to research and utilize resources available to help make a reasonable assumption as to what potential earnings could be in a chosen field or profession.



CSU-Pueblo has teamed with American Student Assistance to bring the SALT program to campus. SALT is free for our students and alumni and provides financial literacy modules, scholarship searches, internship and job searches, and discounts from partner companies. Once registered with SALT, you can also import your actual loan information from the National Student Loan Data System (see below) and review what your payments would be with the various repayment plans available. You can also estimate what your payment would be if you were to add additional loans, in case you are considering borrowing again. Finally, you have access to expert loan counselors if you have ever have questions about your student loans or repayment options (again, all for free!).

National Student Loan Data System

Students can view their federal loan history at any time 24/7 through the National Student Loan Data System. You will need your Federal Student Aid ID & password (the same used to sign your FAFSA and Master Promissory Note) to log into the system. For questions regarding NSLDS, please contact the Federal Student Aid Center at 1-800-4FED-AID.

Other (non-federal Title IV) Loan Programs

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