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Money Management Resources

Borrow strategically

Direct Loan program

Loan applications, exit and entrance counseling, promissory notes, and more information about student loans provided by the U.S. Department of Education.

Direct Loan servicing

Log in to manage your Direct Loan account and make online payments.

National Student Loan Data System

A database providing information about all your federal student loans and balances.

Direct Loan consolidation

There may be advantages to combining your federal student loans into one. Find out if consolidation is right for you.

Federal loan dispute resolution

If you run into problems with your lender that could not be resolved, the Federal Student Aid Ombudsman can help.


Service provider for University of Minnesota-administered loans, including Perkins, University Trust, Health Professions, and Nursing Student loans.

UMD loan information

An overview of student loans at the University.

Use credit wisely

The official site established by federal law to provide consumers with free credit reports. Access your credit history as monitored and reported by the national credit bureaus, TransUnion, Equifax, and Experian.


Access your credit score, a numerical grade used by lenders and other companies to make credit decisions.

What's in your credit score

Understand how your score is calculated.

What you need to know about your credit

An introduction for consumers who are new to credit.

Manage your personal finances

A gateway to financial tools and resources provided by federal agencies.

Identity Theft Resource Center

Access your credit score, a numerical grade used by lenders and other companies to make credit decisions.

Education tax benefits

A guide to tax topics for students.

A popular way to manage all of your personal finances online, for free.

Calculate your decisions

Project your college costs, design a savings plan, and figure out how much student loans you need.

Calculate mortgage payments, car loans, retirement needs, or find out what it will take to pay off your credit cards.

Build your own budget and stay in control of your money.