Advice to Borrowers

The Project on Student Debt is a nonprofit focused on research and policy work. The Project on Student Debt does not offer legal or other advice to individual borrowers regarding their student loans. We regret that we cannot meet this need, and have provided the resources below in an effort to provide general information that addresses common questions. If you need advice or information, please see the information listed below, and visit our Links page for additional resources.

IBRinfo.org provides reliable independent information about Income-Based Repayment and Public Service Loan Forgiveness, two new federal programs to help make student loan repayment fair and manageable.

A Consumer's Guide to July 1, 2012
A guide to what college students, their parents, and people already repaying their federal student loans need to know about important changes in effect from July 1, 2012 to June 30, 2013. 

Federal Student Loan Terms for 2012-13 summarizes loan limits, interest rates, and other terms for federal student loans from July 1, 2012 through June 30, 2013.

The Top 10 Student Loan Tips for Recent Graduates
A list of the top ten things a recent graduate should know about their student loans and the repayment process. 

Questions to Ask About Private Loans
When federal, state, and institutional aid does not cover the cost of college, private loans can be an option. Here are some questions to help prospective borrowers understand what they're getting into.

Check out our Links page for helpful outside resources.

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