Skip to main content

Debt Management

Financial Education and Wellness Presentations

Tips for managing your student loans, repayment options, financial planning, and more.

Estimated Payments


View the average total educational indebtedness for medical students Class of 2013.

Deferment Forms

Students who received student loans while attending another institution may need to send a deferment form to your lender or servicer annually to inform them of your continuing full-time student status.

National Student Loan Data System (NSLDS)

The National Student Loan Data System (NSLDS) is the U.S. Department of Education’s (ED’s) central database for student aid.

VMS Loan Repayment Info

The Office of Student Loans is responsible for the collection of campus-based federal and institutional student loans awarded by Vanderbilt University. This includes billing, payment processing, and loan account maintenance.

Federal Direct Loan Consolidation

Borrowers can combine multiple federal student loans into a single loan.

Loan Repayment Programs

There are many loan repayment programs all over the country that offer financial assistance to repay your educational indebtedness once you have completed residency in return for a commitment to service.

Public Service Loan Forgiveness

The Public Service Loan Forgiveness Program is intended to encourage individuals to enter and remain in public service.

Federal Loan Repayment Choices

Find flexibility in structuring your repayment schedule by choosing among five basic options.


If borrowers cannot meet their repayment schedule but are ineligible for a deferment (or have exhausted the time limitations), a lender may grant a forbearance. This is a period of time during which you can either make payments lower than those previously scheduled—or delay repayment completely.

Direct Loan Servicers

loan servicer is a company that handles the billing and other services on your federal student loan. The loan servicer will work with you on repayment plans and loan consolidation and will assist you with other tasks related to your federal student loan.