can't find my student loan?

[AAAgent]

Ok well back two years ago, my senior year of college i applied for a student loan to finish up my school. The paperwork and process took so long, plus i applied late i think that i ended up taking out a private loan from a person that i am currently paying off. Later on, about halfway through the year the loan shows up in my account.

I don't touch any of it for over a year. I don't remember getting any paperwork asking if i wanted it either. I believe it was a stafford loan.

well after i my tuition and school was done i had 1 more summer class which i took and they billed me. Since i didn't have money the school automatically withdrew from the loan in my account they the government deposited in my school.

after i graduated about a year later they mail me the rest of the remaining amount left. I have no received ANY mail about monthly payments ANY notification at all.

I also don't have access to my school email account anymore and don't know where to go. I'm actually kind of scared to call and ask about it since i barely have enough money to make it right now.

I got money and i know it's not free but where do i go to find out where, what, and how to pay it back? I don't have any documentation and don't remember receiving any besides the money showing up in my account. I may have received a letter or two during the beginning of the school year or right when i got the money but i'm not positive.

I was never expecting to take loans and if i did i was sure they would BILL you for it.

 

[JT7890]

You could start here : www.nslds.ed.gov and click under Financial Aid Review to see if you have any outstanding loans.

Did you ever complete Entrance and Exit Counseling? These are required for taking out the government stafford loans. If not, then I do not believe that legally your school should have applied any loans to your account. You also have to sign a MPN (master promissory note).

Were you receiving any financial aid at all? Did you ever complete the FAFSA? The amount applied could have been a Pell Grant or a particular University Grant, and perhaps your school sent you a check in the mail related to the excess funds amount.

I'm kind of confused about some of your statements:

Ok well back two years ago, my senior year of college i applied for a student loan to finish up my school. The paperwork and process took so long, plus i applied late i think that i ended up taking out a private loan from a person that i am currently paying off.

What student loan did you apply for? There's no application that you fill out for the government stafford loans except for the FAFSA that you complete online. Were you applying for a private student loan?

I also don't have access to my school email account anymore and don't know where to go.

What do you mean you don't know where to go? Call your school and ask them what's going on, I'm quite sure someone could reopen your student email account or you could just speak with financial aid and they can pull up your records.

 

[Speculator E]

Request a credit report. All loans including your student loans should show up.

 

[JT7890]

Double post sorry.

 

[JT7890]

Double post sorry.

 

[AAAgent]

I wasn't receiving financial aid until i applied for the fafsa i believe. I paid all 3 years previously without financial aid.

If the exit survey is completed at the time of filling out the application i never completed it. If it is supposed to be completed after you receive the financial aid then i also didn't complete it. My school email address was my primary account and my pin should have been saved there, but since i no longer have access to my account, i can't retrieve my password. I'm working on resetting my pin now.

I guess i'm scared of calling anyone and alerting people about this since I currently don't have enough money to pay for this but in reality i probably owe somebody something and it is being tracked. I guess i have in the back of my mind hoping this will just go away.

I believe i filled out the fafsa and only applied for government sponsored loans. I ended up taking out a private loan because after a few weeks there wasn't a response. Private loan being borrowed from someone my parents knew who was a private lender (his legal business) not loan shark.