Log in to studentaid.gov. All federal student loan borrowers have a My Federal Student Aid account they can access with their FSA ID. Sign in to your account, select a loan and look at its repayment status to see if it’s listed as in default. Your account also includes information about your servicer, if you need it.

Is a student loan a lien?

Federal student loans Once federal student debt is in default, the government is able to garnish your wage, your Social Security check, your federal tax refund and even your disability benefits. If the government wins, they can place a lien on your home and even force a sale.

How do I get my student loan out of delinquency?

One way to get out of default is to repay the defaulted loan in full, but that’s not a practical option for most borrowers. The two main ways to get out of default are loan rehabilitation and loan consolidation. While loan rehabilitation takes several months to complete, you can quickly apply for loan consolidation.

Where can I find out information about my student loans?

Federal Student Loans The definitive source for information on your federal student loans is the National Student Loan Data System (NSLDS). NSLDS is the U.S. Department of Education’s central database for student aid. NSLDS receives data from schools, the federal loan programs, and other U.S. Department of Education programs.

Where can I find out if I have a tax lien?

The Department of Treasury’s Bureau of Fiscal Service (BFS), which issues IRS tax refunds, has been authorized by Congress to conduct the Treasury Offset Program (TOP). Through this program, your refund or overpayment may be reduced by BFS and offset to pay:

How can I find out how much interest I owe on my student loan?

To find out what you owe with the accrued interest, try out some of the following tools for tracking your federal and private student loans. Figuring out how much you owe in federal loans is relatively easy.

How can I find out my private student loan balance?

To find out information on your private student loans, you’ll need to contact each of your private student loan servicers to determine your total loan balance or check your credit report. Unlike federal student loans, there is not a single website that contains information about all of your private student loans.