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  • 3m.

    What Is NSLDS, And How Does It Affect Me?

    The National Student Loan Data System (NSLDS) is the U.S. Department of Education's central database for federal student aid records. You can use it to keep track of your federal loans, grants, and work-study.
    Updated: September 15, 2016

    What You'll Learn

    • What NSLDS is.
    • How it helps organize your student loan information
    • How to access and use NSLDS.

    The National Student Loan Database System (NSLDS)® tracks your federal Title IV student loans and grants. The U.S. Department of Education (ED) runs this free database so you can stay on top of your aid—from the time you apply until you finish repaying your federal student loans.

    What You Can Find In NSLDS

    If you have questions about your federal student loans, NSLDS likely has the answers. By accessing this site, you can find out:

    • What kinds of federal loans you have.
    • Who your loan holder or servicer is.
    • The amount you currently owe in federal student loans.
    • Your loans' status (i.e., in repayment, deferred, or in default).
    • The loan amounts that were originally given (disbursed) to you.
    • The date your loans were issued.

    What You Won't Find

    While NSLDS holds a ton of helpful information about your federal loans, there are a few things that you won't find there:

    • Very recent information about your loan status: New loans are reported to NSLDS within 30 days, but after that, they are updated less frequently. That means that NSLDS doesn't always have the most accurate listing of how much you owe. Check with your servicer for the most current information about your student loan status.
    • Your private loans: Loan types that are not part of the Direct Loan, FFELP, PLUS, or Perkins programs are not available on NSLDS. You can find any other loans you may have by looking in your credit report or contacting your lenders themselves. You can check your credit report for free once every 12 months at
    • Your parents' loans: Parent PLUS loans—money your parents may have borrowed to pay for your education—will be listed in their NSLDS accounts, not yours.
    • Collection agency information: If your federal student loans are in default, NSLDS will show who owns them, but not the collection agency your loan holder may have assigned to your account. If you aren't sure who's calling you about what, start by calling the organization that owns the loans or ED's Default Resolution Group.

    How To Access NSLDS

    Accessing the NSLDS website is easy: all you need to get into your account is your Federal Student Aid (FSA) ID. You may already have an ID from when you filled out the Free Application for Federal Student Aid (FAFSA). If so, just enter or retrieve that username and password to log in and get started. If you used an FSA Personal Identification Number (PIN) to access and sign your FAFSA, you'll need to create an ID. NSLDS will prompt you to do this.

    It's a smart idea to access your NSLDS account at least once a year, ideally at the end of each academic year. That way, you can stay on top of how much you borrowed that year and overall to date. This will ensure you don't hit your loan maximums unintentionally or run into any unpleasant surprises when those loan amounts come due. Plus, if you want to get ahead of your payments (while you're in school or during your grace period), NSLDS can serve up the information you need to do so.

    Importing Your Loans On Salt

    We can help you use your NSLDS information to stay on top of your loan payments and make a plan for your financial future. Just import your NSLDS loan data into your Salt® account, and we'll analyze how you can make your student loan repayment more manageable!

    ¿Qué es NSLDS y cómo me afecta?

    Actualizado: 15 septiembre 2016

    Lo que aprenderás

    • Qué es el NSLDS
    • Cómo te ayuda a organizar la información de tu préstamo estudiantil.
    • Cómo usarlo

    El sistema nacional de registro de préstamos educativos National Student Loan Data System (o NSLDS por sus siglas en inglés) Es la base de datos central para registros de ayuda estudiantil federal del Departamento de Educación de los Estados Unidos. Le da seguimiento a tus préstamos desde el momento que lo solicitas hasta que completas la devolución.

    Qué encontrarás en NSLDS

    • Los tipos de préstamos federales que tienes.
    • Tu acreedor o administrador de préstamos.
    • El monto que debes actualmente.

    También puedes encontrar información acerca de

    • El estatus de tu préstamo (en devolución, en aplazamiento de pago, o en incumplimiento de pago).
    • Monto desembolsado (el monto que te brindaron originalmente).
    • Fecha de desembolso (la fecha en que sacaste el préstamo).

    Cómo iniciar sesión

    Para iniciar sesión, te pedirán:

    • Tu número de seguro social.
    • Las primeras 2 letras de tu apellido.
    • Tu fecha de nacimiento.
    • Tu PIN

    El PIN es el número que usaste al llenar tu Solicitud gratuita de ayuda federal para estudiantes FAFSA. Si no sabes cuál es tu PIN, puedes solicitar un duplicado en el sitio web del PIN federal de ayuda económica para estudiantes.

    Ir al NSLDS >

    nslds spanish landing page

    ¿Qué no aparece en el NSLDS?

    Hay algunas cosas que no encontrarás en el NSLDS:

    1. Información muy reciente acerca del estatus de tu préstamo

    Los préstamos nuevos se reportan al NSLDS en un lapso de 30 días, pero luego es actualizan con menos frecuencia. Esto significa que el NSLDS no siempre tiene la información más exacta acerca de cuánto debes. Comunícate con tu administrador de préstamos si necesitas la información más actualizada acerca de los montos de tu préstamo estudiantil.

    2. Tus préstamos privados

    Los tipos de préstamos que no son parte de los programas de Direct Loan, FFELP, o Perkins no están disponibles en el NSLDS. Estos solo estarán listados en tu informe de crédito y directamente con los prestamistas.

    3. Los préstamos sacados a nombre de tus padres

    Los Préstamos Parent PLUS (dinero que tus padres pueden haber sacado para pagar tu educación) estarán listados en sus cuentas del NSLDS, no la tuya.

    4. Información de la agencia de cobros

    Si tus préstamos estudiantiles federales están en incumplimiento de pago, el NSLDS mostrará a quién le pertenecen, pero no mostrará la agencia de cobros que hayan elegido.
    Si no estás seguro de quién te está llamando y para qué, puedes empezar por comunicarte con la organización a la que le pertenecen los préstamos o a la Unidad de Resolución del Incumplimiento de Pago del Departamento de Educación de los Estados Unidos

    Importa tus préstamos a Salt

    Si iniciaste sesión en tu cuenta de SALT, también puedes cargar tus préstamos a SALT para obtener ayuda adicional al analizar diferentes métodos de pago.

    ¿No puedes encontrar tu préstamo en el NSLDS?

    Obtén tu informe de crédito oficial en

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