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How to Use The National Student Loan Data System [NSLDS] to View Your Student Loans

May 14, 2020

Wondering “how do I find all my student loan information”?

Sure, you could pull your credit report and then look for your student loans. But that’s a hassle; especially when there’s a much easier way — at least for loans made by the federal government.

Here’s how to view your federal student loans:

  1. Create an FSA ID
  2. Visit
  3. Select “Financial Aid Review”
  4. At the next screen, log in with your FSA ID
  5. You can now see all your federal student loans and grants.
NSLDS homescreeen

Finding information on your private student loans, however, is a little harder.

I’ll go over how to do that at the end of this post.

For now, let’s focus on how to use the National Student Loan Data System to get information about your student loans.

What is the National Student Loan Data System

The National Student Loan Data System is the U.S. Department of Education’s central database for federal financial aid. NSLDS is effectively a one-stop shop to find out almost everything you need to know about your student loans. The System gets information from the schools you attended, loan servicers, and other U.S. Department of Education programs to give you a complete look at the debt you owe the federal government.

How Do I Access the NSLDS?

You can access free of charge using your Federal Student Aid ID.


Here’s how to create an FSA ID:

  • Visit
  • Select the “Create my FSA ID” tab
  • Enter your Social Security Number, DOB, and contact information.

Once you have an FSA ID, you’ll be able to do much more than just look at your student loan balance on NSLDS.

For instance, you can use it at

That site allows student loan borrowers to:

  • review their student loan repayment options (IBR, REPAYE, etc.).
  • submit consolidation loan applications
  • submit income-driven repayment certification forms
  • apply for Plus loans and

Also, for those of you who are married, is where you’ll go for your spouse to co-sign your income-driven repayment application.


What Student Loan Information Can You Find at

Here’s what you’ll find once you log in to NSLDS:

  • The federal student aid you received (grants, loans, etc.)
  • The type of loans you have (Subsidized & Unsubsidized loans, FFEL or Direct Loans etc.)
  • Your loan balance
  • Your total student loan debt
  • Your interest rate
  • Your student loan servicer
  • The repayment plan you’re in
  • The months you’ve accumulated toward Public Service Loan Forgiveness

How to contact nslds

In case you have questions about your account, use this number to contact the National Student Loan Data System: 1-800-433-3243.

That phone number will connect you to the Federal Student Aid Information Center.

How to Request Your Promissory Note

Don’t think you borrowed a loan from the U.S. Department of Education?

Unfortunately, the NSLDS doesn’t have copies of promissory notes.

To get a copy, submit a Privacy Act Request either by fax or mail to the U.S. Department of Education.

US Department of Education
Office of the Chief Privacy Officer
400 Maryland Avenue, SW LBJ 2E320
Washington DC  20202-4536

Fax: 202-401-0920

Two things to do before you submit your promissory note request.

First, review the Privacy Act Request Checklist before submitting your request.

Second, write “Privacy Act Request” boldly on the envelope or fax cover sheet.

There’s No System for Private Student Loans

As you may have seen, the NSLDS only lists information for your federal student loans.

It doesn’t list information for your private student loans.

Unfortunately, getting more information about your private loans is a lot harder.

They don’t have a system similar to the federal government’s system.

Instead, you have to do a workaround.

Here’s how to view your private student loans:

  1. Print your federal loans from NSLDS
  2. Get your credit report from
  3. Compare the NSLDS loan information against your credit report
  4. Any student loan not on your NSLDS is a private student loan

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