Help with Resolving a Problem or Dispute
It is important to keep all of your student loan papers and correspondence for your records. If you have a problem with a federal student loan, you should contact your loan holder or loan servicer to try and resolve the problem. If you are unable to resolve the problem on your own, you may contact the Federal Student Aid (FSA) Ombudsman for assistance. The FSA Ombudsman works with federal student loan borrowers to resolve loan disputes or problems from an impartial, independent viewpoint. You can reach FSA Ombudsman at:
United States Department of Education
830 First Street NE
4th Floor UCP-3/MS 5144
Washington, DC 20201-5144
Toll-free phone: (877) 557-2575
Internet: fsahelp.ed.gov or ombudsman.ed.gov
Tax Benefits for Education
There is a variety of tax credits, deductions and savings plans available to taxpayers to assist with the expense of higher education.
A tax credit reduces the amount of income tax you may have to pay.
- American Opportunity Credit
- Hope Tax Credit
- Lifetime Learning Tax Credit
A deduction reduces the amount of your income that is subject to tax, thus generally reducing the amount of tax you may have to pay.
- College Tuition & Fees Deduction
- Student Loan Interest Deduction
You should contact a tax advisor or visit www.irs.gov for detailed information on tax credits, deductions or other tax benefits for postsecondary students.
FSA offers several publications to help you understand the
financial aid process. Two publications that may help you manage your
federal student loans are Funding Education Beyond High
School – The Guide to Federal Student Aid and Your
Federal Student Loans – Learn the Basics and Manage Your Debt. To
request a copy, download an electronic version or view a complete list
of publications, visit www.studentaid.ed.gov and click on
“Publications” from the “Tools and Resources”
|Direct Consolidation Loans||www.loanconsolidation.ed.gov|
|TEACH Grant recipients||https://teach-ats.ed.gov|
|Public Service Loan Forgiveness||www.studentaid.ed.gov|
|Income Based Repayment||www.studentaid.ed.gov|