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Independent Student Loan Consulting
 






 

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Key West


Shepherdstown, WV


Shepherdstown, WV


Shepherdstown, WV


Shepherdstown, WV


 
 
 
Free Resources

PGPresents encourages all borrowers to check out these free resources before hiring anyone to help you manage your student loans.

StudentAid.gov

  • Highly recommended site from the United States Department of Education.
  • Dashboard that displays all Title IV financial aid (including all federal loans).
  • Use the Loan Simulator to:
    • Upload your federal loan data to personalize repayment numbers.
    • Estimate repayment under all eligible plans.
    • Estimate eligibility and payment amounts under Income-Driven Repayment (IDR) plans like PAYE, and REPAYE.
    • Estimate impact of changes in income, marital status, tax filing status, and family size on IDRs.
  • Online application for Income Driven Repayment Plans (speak with your loan servicer first).
  • Direct Consolidation Loan Application and Promissory Note (see Tips on Consolidation on our home page for help with consolidation).

StudentAid.gov/publicservice

  • Information on the Public Service Loan Forgiveness (PSLF) program.
  • Online PSLF Employment Certification Form.
  • Information on PSLF program overhaul announced by Biden Administration in October 2021, available at StudentAid.gov/PSLFwaiver.

adea.org (for dental students and dental school graduates)
  • Highly recommended site for dental students and dental school graduates.
  • Look for the “Red Ribbon” then click under Information For Current Students and Residents, then Educational Debt Management Materials.
    • Repayment modules on repayment strategies, Income-Driven Repayment plans, Public Service Loan Forgiveness, Federal Consolidation, and refinancing student loans
    • Downloadable primers on repayment in PDF format

adea.org/DLOC (for dental students and dental school graduates)
  • AAMC/ADEA Dental Loan Organizer and Calculator (DLOC).
    • Superb educational debt management tool designed specifically for dental school students and graduates
    • Upload NSLDS data to personalize repayment numbers
    • Personalize repayment and forgiveness estimates based on your own career plans, including advanced dental education (residency)

www.AAMC.org/FIRST (for medical school students and residents)
  • Highly recommended site for medical students and medical school graduates, including both allopathic and osteopathic disciplines.
  • May prove helpful to podiatry and veterinary medical school students and graduates.
  • Multiple resources to help you manage your student loans.
  • Medloans Organizer and Calculator (MLOC)
    • www.AAMC.org/MLOC
    • Upload NSLDS data to personalize repayment numbers
    • Personalize repayment and forgiveness estimates based on your own residency, fellowship, and career plans.
    • Small fee to use if you are not allopathic medicine.

www.irs.gov/publications/p970
  • Information on tax benefits for education, including the Student Loan Interest Deduction.

www.annualcreditreport.com
  • Only government approved site where you can get a free credit report from each of the three major credit reporting bureaus.
  • Your entire student loan portfolio (including any private loans) should be referenced here.