Students walk near main entrance of law library on Gulfport campus.

Planning for Repayment

Stetson University College of Law encourages students to use the free Access Assist® service for unbiased borrowing and loan repayment guidance. The experts at Access Group, a nonprofit organization, will help you understand your options.

call chat or email access assist - free student loan repayment helpline

Stetson University College of Law helps our graduates navigate the repayment process. Please see the links below or contact the Office of Admissions and Student Financial Planning at or 727-562-7813 for assistance. Federal regulations require all borrowers to complete Federal Direct Stafford Loan Exit counseling before they graduate, withdraw, or drop below half-time enrollment. Federal Direct Loan Exit counseling will be completed online and in person prior to graduation. Students and alumni are encouraged to come in or call in for counseling and information on new programs or payment plans.

Exit Counseling

Mandatory for all borrowers: Exit counseling is an online tutorial that provides tips and useful information to help student borrowers manage their loans and know their rights and responsibilities. Graduates will be contacted and asked to complete online exit counseling sponsored by Federal Student Aid and will be asked to view a supplemental session.
Federal Student Aid: Exit Counseling Guide for Direct Loan Borrowers

How Much Do I Owe?

The National Student Loan Data System, or NSLDS, is the U.S. Department of Education's central database for federal student financial aid records. This system displays information on loan amounts, outstanding balances, loan statuses, disbursements, and lender contact information.

National Student Loan Data System

Repayment Basics

When the time comes to begin repaying student loans, federal student loan borrowers can select a repayment plan that’s right for their financial situation. Generally, borrowers have from 10 to 25 years to repay their loan, depending on which repayment plan was chosen.

Repayment Plans and Calculators:
Federal Student Aid: Repayment Estimator
Federal Student Aid: Monthly Interest Calculation
Federal Student Aid: Repayment Plans

Postponing Repayment

Under certain circumstances, borrowers may receive a deferment or forbearance which allows you to temporarily postpone making loan repayments.


Public Service Loan Forgiveness

The Public Service Loan Forgiveness Program will forgive or cancel the remaining balance due on eligible Direct Loan Program loans after having made 120 payments on those loans under certain repayment plans while employed in certain public service jobs.

What is the Public Service Loan Forgiveness Program?
Public Service Loan Forgiveness Q&A

Public Service Loan Forgiveness and the President's Fiscal Year 2015 Budget Proposal

Department of Education Public Service Loan forgiveness employment certification procedure and forms:

Instructions for Completing Employment Certification for Public Service Loan Forgiveness
Employment Certification for Public Service Loan Forgiveness
Equal Justice Works: Public Service Loan Forgiveness
Equal Justice Works: The College Cost Reduction and Access Act of 2007
Equal Justice Works: Loan Forgiveness for Public Service Employees John R. Justice Prosecutors and Defenders Incentive Act

Loan Consolidation

Loan consolidation could help make payments more manageable by combining several federal student loans into one loan with one monthly payment. 

Dear Borrower Letter
Federal Direct Loan Consolidation

Bar Study Loan Options

The College of Law does not recommend specific lenders, nor does it participate in any preferred lender arrangements.

Bar Loan Comparison Chart (PDF)