Canadian and U.S. Citizens interested in studying our Dental programs may be eligible to apply for financial aid to help you with your Cost of Attendance (COA). Please read thoroughly, it is your responsibility to secure funding for your entire program regardless if funding is available or denied.

Canadian Loans

For information about the loans the Government of Canada offers to eligible full and part-time post-secondary students, visit the Government of Canada student loans website.

For assistance filling out your enrollment confirmation forms contact the Financial Aid Office located in Campus Campestre.

Contact: Elizabeth Torres
Phone number: 52 (477) 710-8500 Ext. 1514
E-mail address: etorrest@delasalle.edu.mx
Hours: Monday through Friday from 9:00 a.m. to 2:00 p.m.

In the event enrollment confirmation forms were completed for your Canadian funding and you later suspend, withdraw or otherwise change status, please contact your loan provider to see if any further paperwork must be completed.

United States Loans

The Universidad De La Salle Bajío is foreign institution eligible to participate in the Federal Student Aid Program, our School Code is 03776500.

Although it may be possible to fund your entire education through Federal Student Aid, we recommend a conservative approach to borrowing. We also encourage you to save as much as possible before enrolling, so that you may avoid a heavy debt burden. For more information regarding Federal Student Aid, please visit the Federal Student Aid website.

For prospective students seeking financial aid for the Dentistry Dual-Degree Program, it is recommended that prospective students submit their FAFSA application no later than May 1st to ensure funding is available by September.

Note: This program is considered an undergraduate level program for the first three years; consequently, undergraduate loan limits apply. Once you enroll in the seventh semester you become a Professional Student and graduate loan limits apply.

Note: This program is currently not accepting new students. For more information, please contact the Faculty of Dentistry: Laura María Díaz Guzmán
Directora Académica
Facultad de Odontología
(477) 710 85 00, ext. 1170
lmdiaz@delasalle.edu.mx

For prospective students seeking financial aid forfor CIRO - International Dental Program,there are currently two dates:

• For starting date July 2021 it is recommended that prospective students submit their FAFSA application no later than May 1st, to ensure funding is available by August.

• For starting date January 2022 it is recommended that prospective students submit their FAFSA application no later than September 30th, to ensure funding is available by February.

Note: Federal student loans are real loans just like car or mortgage loans. You must repay a student loan even if your financial circumstances become difficult. Federal student loans usually can’t be written off in bankruptcy. They can’t be canceled because you didn’t get the education or job you expected, and they can’t be canceled because you didn’t complete your education, unless you couldn’t complete your education because your school closed.

To learn more about repayment plans, please visit the following link https://studentaid.gov/manage-loans/repaymen

The Universidad De La Salle Bajío, A.C. does not administer any other loan program at the moment.

The Financial Aid Office is located in Campus Campestre.

Contact: Elizabeth Torres / Phone number: 52 (477) 710-8500 Ext. 1514
E-mail address: etorrest@delasalle.edu.mx
Hours: Monday through Friday from 9:00 a.m. to 2:00 p.m.

In order to receive federal financial aid, you must:

• Be a US citizen, or eligible noncitizen
• Have a valid Social Security number
• If male be registered with the Selective Service, if required
• Be enrolled at least half-time in an eligible program. The two eligible programs are:

1. CIRO / International Dental Program.
2. Dentistry Dual-Degree Program (Note: This is an Undergraduate Program for the first three academic years and undergraduate loan limits apply. It becomes a Professional Program once you enroll seventh semester and graduate loan limits can apply.)

Note: These two academic programs do not participate in University’s exchange program

• Be making Satisfactory Academic Progress (SAP), make sure you read the SAP Policy
• Not be in default on any federal funds
• Have a High School Diploma or its equivalent

The federal loan eligibility criteria is subject to change at the US Department of Education’s discretion and are beyond the University's control. To check the latest eligibility criteria, visit the https://studentaid.gov/understand-aid/eligibility/requirements.

Note: The Universidad De La Salle, A.C. can only approve loans for students who meet the criteria set by the US Department of Education.

How much can I borrow?

The amount of aid you can borrow depends on various factors:
• Foreign or Domestic School
o Schools located outside the US are considered Foreign Schools
o Foreign schools can only offer aid through loans
• Type of Program and grade level
• Whether you are an undergraduate or graduate /professional student
o Dentistry Dual-Degree Program
+ This is an Undergraduate Program for the first three academic years and undergraduate loan limits apply.
+ It becomes a Professional Program once you enroll seventh semester and graduate loan limits can apply.
• Whether you are a dependent or independent
o Students enrolled in a Professional Program, for Federal Student Aid purpose, are considered Independent Students

For the purposes of federal aid, a student is considered independent if they meet one or more of the following criteria:

• the student is at least 24 years old by 31 December of the award year;
• the student is married as of the date the FAFSA is completed;
• the student is working on a masters or doctorate program at the beginning of the award year for which the FAFSA is completed;
• the student is currently serving on active duty in the U.S. armed forces for purposes other than training;
• the student is a veteran of the US Armed Forces;
• the student has at least one child who receives more than half of his or her support from the student;
• the student has a dependent, other than a spouse or a child, who lives with the student and receives more than half of his or her support from the student at the time the FAFSA is completed and through 30 June of the award year.
• the student at any time since turning age 13, were both parents deceased, and in foster care, or were a dependent or ward of the court;
• the student was determined by a court in their state of legal residence to be an emancipated minor or that someone other than the parent or stepparent has legal guardianship.

Type of Loans available for undergraduate students

Questions	Direct Subsidized loan	Direct Unsubsidized loan	Parent PLUS loan (Undergraduate)
Who is eligible?	Dependent student who demonstrate financial need.	Dependent and independent student. Not based on financial need.	Parents (biological, adoptive, or in some cases, stepparent) of dependent enrolled in undergraduate courses. Both the parent and the student must beeligible for federal student aid.A credit check is required.
How do repayments work?	No interest or payment required as long as you are enrolled on an eligible course at least half-time.	No payments required as long as you are enrolled on an eligible course at least half-time. However, interest accrues while you are studying.	No payments required as long as student is enrolled on an eligible course at least half-time. However, interest accrues while you are studying.
When does repayment start?	Six months after your course finishes, known as the “grace period” or you become less than half-time, or withdraw.	Six months after your course finishes, known as the “grace period” or you become less than half-time, or withdraw.	PLUS loans have no grace period. Repayment period begins on the date of the final disbursement. Unless you receive a deferment or forbearance.

Loan Limits for students enrolled in an undergraduate program

Year	Dependent Students (except students whose parents are unable to obtain PLUS Loans)	Independent Students (and dependent undergraduate students whose parents are unable to obtain PLUS Loans)	Parent Plus
First-Year Undergraduate Annual Loan Limit	$5,500 $3,500 in Subsidized Loans $2,000 in Unsubsidized loans	$9,500 $3,500 in Subsidized Loans $6,000 in Unsubsidized Loans	For dependent undergraduate students only. Total amount remaining after all other aid/loans have been deducted from COA
Second-Year Undergraduate Annual Loan Limit	$6,500 $4,500 in subsidized Loans $2,000 in Unsubsidized loans	$10,500 $4,500 in Subsidized Loans $6,000 in Unsubsidized Loans	For dependent undergraduate students only. Total amount remaining after all other aid/loans have been deducted from COA
Third-Year and Beyond Undergraduate Annual Loan Limit	$7,500 $5,500 In Subsidized Loans $2,000 in Unsubsidized Loans	$12,500 $5,500 in Subsidized Loans $6,000 in Unsubsidized Loans	For dependent undergraduate students only. Total amount remaining after all other aid/loans have been deducted from COA
Subsidized and Unsubsidized Aggregate Loan Limit	$31,000—No more than $23,000 of this amount may be in subsidized loans.	$57,500 for Undergraduates —No more than $23,000 of this amount may be in subsidized loans.	None

To learn more about repayment, please visit the https://studentaid.gov/understand-aid/types/loans.

To learn more information, please visithttps://studentaid.gov/manage-loans/repayment and you can also watch the following video: To learn more information, please visit https://www.youtube.com/watch?v=mTHtn0FRMWw

Interest rates and additional fees

The interest rate varies depending on the loan type and the first disbursement date of the loan. The table below provides interest rates for Direct Subsidized Loans, Direct Unsubsidized Loans, and Direct PLUS Loans first disbursed on or after July 1, 2020, and before July 1, 2021, and rates for loans first disbursed on or after July 1 2021, and before July 1, 2022.

Type of Borrower	Undergraduate Borrowers	Graduate or Professional Borrowers	Parents and Graduate or Professional Students
Type of Loan available	Direct Subsidized Loans and Direct Unsubsidized Loans	Direct Unsubsidized Loans	Direct PLUS Loans
Loans first disbursed on or after July 1, 2020, and before July 1, 2021	2.75%	4.30%	5.30%
First disbursed on or after July 1, 2021 and before July 1, 2022	3.73%	5.28%	6.28%

The interest rates are fixed rates for the life of the loan. For the latest, please see the https://studentaid.gov/understand-aid/types/loans/interest-rates

Note: In response to the COVID-19 emergency relief period, the interest rate on all Direct Loans has been temporarily set at 0% until at least September 30, 2021. Once the COVID-19 emergency relief period ends, the rates as described in this announcement will be in effect for loans first disbursed on or after July 1, 2021.

Are there any fees for federal student loans?

Most federal student loans have loan fees that are a percentage of the total loan amount. The loan fee is deducted proportionately from each loan disbursement you receive while enrolled in school. This means the money you receive will be less than the amount you actually borrow. You’re responsible for repaying the entire amount you borrowed and not just the amount you received.

The chart below shows the loan fees for Direct Subsidized Loans, Direct Unsubsidized Loans, and Direct PLUS Loans.

Loan Fees for Direct Subsidized Loans and Direct Unsubsidized Loans
Firs Disbursement Date	Loan Fee
On or after 10/1/20 and before 10/1/21	1.057%
On or after 10/1/29 and before 10/1/20	1.059%
Loan Fees for Direct PLUS Loans
Firs Disbursement Date	Loan Fee
On or after 10/1/20 and before 10/1/21	4.228%
On or after 10/1/19 and before 10/1/20	4.236%

Cost of attendance varies by program and by year of initial enrollment:

Dentistry – Dual Degree Program
Academic Program beginning August 2020 / February 2021
Tuition $18,000.00 per semester

Off Campus - DUAL DEGREE - August 2020 / February 2021

Concept	Amount 1st Year	Amount 2nd Year	Amount 3rd Year	Amount 4th Year	9th Semester
Tuition and Fees	$36,000.00	$36,000.00	$36,000.00	$36,000.00	$18,000.00
*Books / Supplies / Instruments	$2,710.00	$5,151.00	$400.00	$400.00	$200.00
*Transportation	$3,263.00	$3,263.00	$3,263.00	$3,263.00	$1,632.00
*Room and Board	$6,211.00	$6,211.00	$6,211.00	$6,211.00	$3,106.00
* Personal Expenses	$2,500.00	$2,500.00	$2,500.00	$2,500.00	$1,250.00
Totals	$50,684.00	$53,125.00	$48,374.00	$48,374.00	$24,188.00

On Campus is currently not offered due to the worldwide COVID-19 pandemic

Concept	Amount 1st Year	Amount 2nd Year	Amount 3rd Year	Amount 4th Year	9th Semester
Tuition and Fees	$36,000.00	$36,000.00	$36,000.00	$36,000.00	$18,000.00
*Books / Supplies / Instruments
*Transportation
*Room and Board
*Personal Expenses
Totals	$36,000.00	$36,000.00	$36,000.00	$36,000.00	$18,000.00

All amounts are in US Dollars
Cost of Books/Supplies/Instruments vary depending on the year
It takes 9 semesters to complete the degree.
The required courses total 410 credits to graduate.
* Fees are estimated for a full-time one year of enrollment.

Disbursement information

Disbursements for students enrolled in the Dentistry Dual-Degree Program are programmed per Academic year at the beginning of each semester, one installment in September and one in March.

Within three working days of the University receiving the aid, the proportion for tuition and fees will be applied to your institutional account. Any balance left will then be paid directly to you, within 14 days of the arrival date.

• You must be enrolled before your funds can be requested.
• Foreign schools are subject to a 30-day disbursement delay. • Once money is disbursed you must remain enrolled on at least a half-time basis otherwise you will lose eligibility.
• We can only process loans for students who meet the criteria set by the US Department of Education.
• It is your responsibility to secure funding for your entire program regardless if funding is available or denied.

How much can I borrow?

The amount of aid you can borrow depends on various factors:

• Foreign or Domestic School
+ Schools located outside the US are considered Foreign Schools
• Type of Program and grade level
• Whether you are an undergraduate or graduate /professional student
+ CIRO / International Dental Program is considered a Professional Program • Whether you are a dependent or independent, and
+ Students enrolled in a Professional Program, for Federal Student Aid purpose, are considered Independent Students

Type of Loans available for Graduate/Professional students

Questions	Direct Subsidized loan	Direct Unsubsidized loan	Direct PLUS loan (Graduate)
Who is eligible?	Not eligible	Graduate student. Not based on financial need.	Graduate student. A credit check is required. Not based on financial need.
How do repayments work?		No payments required as long as you are enrolled on an eligible course at least half-time. Interest accrues while you are studying.	No payments required as long as you are enrolled on an eligible course at least half-time. Interest accrues while you are studying.
When does repayment start?		Six months, known as the “grace period”, after your course finishes or you become less than half-time.	PLUS loans have no grace period. Repayment period begins on the date of the final disbursement. Unless you receive a deferment or forbearance.

If you have an adverse credit history, you may still receive a Direct PLUS Loan ,please visit: https://studentaid.gov/understand-aid/types/loans/plus/grad

To learn more about repayment, please visit the https://studentaid.gov/manage-loans/repayment and you can also watch the following video: https://www.youtube.com/watch?v=mTHtn0FRMWw

Loan Limits for Graduate / Professional Students

Year	Unsubsidized Loan	PLUS Loan for Graduate or Professional Students
Graduate or Professional Students Annual Loan Limit	$20,500 (unsubsidized only)	Total amount remaining after all other aid/loans have been deducted from COA
Subsidized and Unsubsidized Aggregate Loan Limit	$138,500 for graduate or professional students—No more than $65,500 of this amount may be in subsidized loans. The graduate aggregate limit includes all federal loans received for undergraduate study.	None

To learn more about repayment, please visit https://studentaid.gov/understand-aid/types/loans

Interest rates and additional fees

The interest rate varies depending on the loan type and the first disbursement date of the loan. The table below provides interest rates for Direct Subsidized Loans, Direct Unsubsidized Loans, and Direct PLUS Loans first disbursed on or after July 1, 2020, and before July 1, 2021, and rates for loans first disbursed on or after July 1 2021, and before July 1, 2022.

Type of Borrower	Undergraduate Borrowers	Graduate or Professional Borrowers	Parents and Graduate or Professional Students
Type of Loan available	Direct Subsidized Loans and Direct Unsubsidized Loans	Direct Unsubsidized Loans	Direct PLUS Loans
Loans first disbursed on or after July 1, 2020, and before July 1, 2021	2.75%	4.30%	5.30%
First disbursed on or after July 1, 2021 and before July 1, 2022	3.73%	5.28%	6.28%

The interest rates are fixed rates for the life of the loan. For the latest, please see the https://studentaid.ed.gov/sa/types/loans/interest-rates.

Note: In response to the COVID-19 emergency relief period, the interest rate on all Direct Loans has been temporarily set at 0% until at least September 30, 2021. Once the COVID-19 emergency relief period ends, the rates as described in this announcement will be in effect for loans first disbursed on or after July 1, 2021 Are there any fees for federal student loans?

Most federal student loans have loan fees that are a percentage of the total loan amount. The loan fee is deducted proportionately from each loan disbursement you receive while enrolled in school. This means the money you receive will be less than the amount you actually borrow. You’re responsible for repaying the entire amount you borrowed and not just the amount you received.

The chart below shows the loan fees for Direct Subsidized Loans, Direct Unsubsidized Loans, and Direct PLUS Loans.

Loan Fees for Direct Subsidized Loans and Direct Unsubsidized Loans
First Disbursement Date	Loan Fee
On or after 10/1/20 and before 10/1/21	1.057%
On or after 10/1/29 and before 10/1/20	1.059%
Loan Fees for Direct PLUS Loans
Firs Disbursement Date	Loan Fee
On or after 10/1/20 and before 10/1/21	4.228%
On or after 10/1/19 and before 10/1/20	4.236%

Cost of attendance varies by program and by year of initial enrollment

CIRO International Dental Program
Cost of Attendance
Academic Year 2021 CIRO XV and CIRO XVI
Student with Foreign Graduate Degree    CIRO XIV

Concept	1st Semester	2nd Semester	3rd Semester	4th Semester
* Tuition and Fees	$31,000.00	$31,000.00	$31,000.00	$31,000.00
Books/Supplies/Instruments	$18,550.00	-	-	-
**Student Loan Fees	$1,000.00	$1,000.00	$1,000.00	$1,000.00
**Transportation	$1,853.00	$1,853.00	$1,853.00	$1,853.00
**Room and Board	$4,342.00	$4,342.00	$4,342.00	$4,342.00
**Professional Exam	-	-	$4,500.00	$4,500.00
**Living Expenses	$1,250.00	$1,250.00	$1,250.00	$1,250.00
Totals	$57,955.00	$39,445.00	$43,945.00	$43,945.00
Total per Academic Year		$97,440.00		$87,890.00

* Tuition for a student with a Mexican University Degree $28,000.00
* Tuition for an alumni $26,000.00
** Fees are estimated for a full-time one year of enrollment

All amounts are in US Dollars
It takes 2 (two) years to complete the degree.
The required courses total 254 credits to graduate.
* Fees are estimated for a full-time one year of enrollment.

Disbursement information

Disbursements for the CIRO IDP Degree program are programmed according to the year of enrollment. Please be aware that foreign schools are subject to a 30-day disbursement delay

• For students in the 1st year the disbursements are programmed per semester, total cost of semester disbursed in two equal installments.

o For students beginning on the month of January o For the first semester, disbursements are programmed in February and in April. o For the second semester disbursements are programmed in August and October.

o For students beginning on the month of July o For the first semester, disbursements are programmed for the months of August and October. o For the second semester disbursements are programmed for the months of February and April.

• For students in the 2nd year the loans disbursements are programmed for the total cost of the Academic year disbursed in two equal installments.

o For students beginning on the month of January. o For the third semester the disbursement is in January. o For the fourth semester the disbursement is in August.

o For students beginning on the month of July. o For the third semester the disbursement is in August. o For the fourth semester the disbursement is in January.

Within three working days of the University receiving the funds, the proportion for tuition and fees will be applied to your institutional account, and any excess balance will then be paid directly to you, within 14 days.

• You must be enrolled before your funds can be requested.
• Foreign schools are subject to a 30-day disbursement delay.
• Once money is disbursed you must remain enrolled on at least a half-time basis, otherwise, you will lose eligibility.
• We can only process loans for students who meet the criteria set by the US Department of Education.
• It is your responsibility to secure funding for your entire program regardless if funding is available or denied.

It is your responsibility to ensure that a complete loan application is submitted in a timely manner.

Five steps process

Step 1° – Application

To determine your eligibility for federal loans you need must first fill out your Free Application for Federal Student Aid (FAFSA). Please go to https://studentaid.gov/h/apply-for-aid/fafsa. For information on how to correct your FAFSA, visit https://studentaid.gov/apply-for-aid/fafsa/filling-out/help

For additional information, visit the Federal student Aid website https://studentaid.gov/.

• Make sure you choose the correct school Code - 037765

If you intent to apply for a PLUS loan, or if you are a dependent and your parent will be applying for a Parent PLUS loan, you (professional Student) or your parent (for dependent student), will need to complete a PLUS loan application at https://studentaid.gov/app/launchPLUS.action.

• Graduate PLUS loan applicationhttps://studentaid.gov/plus-app/grad/landing

o To learn more, visit the Federal Student Aid website at
https://studentaid.gov/understand-aid/types/loans/plus/grad

• Parent PLUS loan applicationhttps://studentaid.gov/plus-app/parent/landing

o To learn more, visit the Federal Student Aid website at
https://studentaid.gov/understand-aid/types/loans/plus/parent

Note: Federal student loans are real loans, just like car or mortgage loans. You must repay a student loan even if your financial circumstances become difficult. Federal student loans usually can’t be written off in bankruptcy. They can’t be canceled because you didn’t get the education or job you expected, and they can’t be canceled because you didn’t complete your education, unless you couldn’t complete your education because your school closed.

Step 2° – Complete your Master Promissory Note(s) MPNs)

• Undergraduates Students: Must complete a Loan Agreement for the Subsidized and Unsubsidized.
• Graduate / Professional students: Must complete Master Promissory Notes for each type of loan requesting: If you will only be requesting the Unsubsidized loan that provides the FAFSA (loan limit $20,500.00) you only need to sign the Unsubsidized MPN. If you will be requesting the PLUS Loan, then you also need to sign the PLUS loan MPN.
• Parent Borrower: Must complete the Loan Master Promissory Note.

MPNs are completed at https://studentaid.gov/mpn/

Note: The Universidad De La Salle Bajío, A.C. for Federal Student Aid purposes is a foreign school therefore, the aid available is through loans and Loan Agreements (MPN) must be completed yearly.

Step 3° – Complete entrance counseling

All Federal Direct Loan first-time borrowers must complete entrance counseling. If you have already completed the entrance counseling in a previous year of study, you do not need to complete this step. However, we recommend you take the Financial Awareness Counseling as refresh.

To complete the entrance counseling visit the Federal Student Aid website: https://studentaid.gov/app/counselingInstructions.action?counselingType=entrance

Parent Borrower: Must also complete the PLUS credit counseling. To complete the counseling visit the https://studentaid.gov/app/counselingInstructions.action?counselingType=plus

Step 4° – Annual Student Loan Acknowledgement

If this is your first time accepting a federal student loan, you are acknowledging that you understand your responsibility to repay your loan.
If you have existing federal student loans, you are acknowledging that you understand how much you owe and how much more you can borrow.
To complete please visit https://studentaid.gov/asla/

Step 5° – Submit Additional Documentation

Once you have completed steps 1-4, contact the Financial Aid Office located in the Main Campus to confirm loan process.

Contact: Elizabeth Torres /Phone number: 52 (477) 710-8500 Ext. 1514
E-mail address: etorrest@delasalle.edu.mx
Hours: Special hours during COVID-19 PANDEMIC Monday through Friday 9:00 a.m. to 2:00 p.m.

The Financial Aid office will send you an email after your FAFSA is received and reviewed.

To complete your loan process you will also be asked to provide the following documentation; please DO NOT EMAIL THE DOCUMENTS, unless they are passcode encrypted and you send the password in a separate email.

• Proof of citizenship and or US legal residency
• High School Diploma and/or ECE Transcript (www.ece.org)
• Tax Return transcript. To order visit IRS website.

Other submitting options are: via FedEx, Ups, or in person when you come to Leon.

NOTE: Foreign Educational Institutions are not required, as a matter of Title IV eligibility to obtain an EIN and complete Form 1098-T for U.S. students enrolled. Therefore, the Universidad De La Salle Bajío, A.C. does not have an EIN, consequently, does not provide the Form 1098-T to students.

Federal regulations indicate that any student who has received a federal loan while in attendance at the Universidad De La Salle Bajío, A.C. must complete an Exit Counseling; the exit counseling will take about half an hour. You must:

1. Take the Federal Direct Loan Exit interview by clicking here Student Loans website. Your Exit Interview will not be considered complete until you have gone through the entire interview and entered and confirmed your Name and Social Security Number or PIN. Once you have completed Exit Counseling online, you will receive a confirmation email, which you need for your records.
2. Fill out and submit to the Financial Aid Office the Borrower Information Sheet
   • Parental information is required of ALL students, regardless of age or dependency status. Should your parents be deceased, you must indicate this in the parental section of the form.
   • Two additional references are required. These references must have different addresses than yourself, your parents and each other.

The Exit Interview

• Explains the rights and responsibilities of federal loan borrowers
• Is required when a student:
    • graduates,
    • drops below part-time status
    • takes a leave of absence, or
    • withdraws from the University

Please note:
* Students who do not complete an exit interview may have their diploma and transcripts placed on hold.
* Students who take an approve leave of absence; do not qualify for disbursements while in leave of absence.
* Students that withdraw must immediately contact the Financial Aid Office to learn about your rights and responsibilities.

About Repayment: What? When? How?

Repayment is the process of making payments to pay off the loan you borrowed, plus the interest that has accrued on the loan while you were in school, during any periods of authorized deferment, and during your grace period. The longer you take to repay your loans, the more you will have to pay in interest charges.

Repayment begins after a grace period following your graduation date or your ceasing to be enrolled. Your first payment is typically due within 60 days of each loan’s entering repayment.
To make your payments more affordable, your federal loan servicer may offer a variety of repayment plans. Repayment options are different based on the type of loan.

You should periodically review your repayment plan and contact your loan servicer for help in determining what options may be available. You may prepay your loan with no penalty or use one of the repayment plans available.

To learn more about repayment, please visit the visit the Federal Student Aid website. You may also the find Your Federal Student Loans guide useful.

Making Payments

The U.S. Department of Education (ED) uses several loan servicers to handle the billing and other services on loans for the William D. Ford Federal Direct Loan (Direct Loan) Program and for loans that were made under the Federal Family Education Loan (FFEL) Program and that ED later purchased. Your loan servicer will set you up under the Standard Repayment Plan unless you tell your loan servicer you want a different repayment plan.

Type of Loan	Send Payments To	When to Send Payments
Direct Loans and FFEL loans owned by ED	Your loan servicer	Check with your loan servicer.

If you schedule an automatic monthly electronic debit of your loan payment from your checking or savings account, you receive a 0.25% interest rate deduction on Direct Loans. Contact your loan servicer for more information. To make a payment by postal mail, contact your loan servicer for the mailing address.

To discuss repayment plan options or change your repayment plan, contact your loan servicer. First, though, you can use our Loan Simulator to get an early look at which plans you may be eligible for and see estimates for how much you would pay monthly and overall.

Making Payments

You can make payments before they are due or pay more than the amount due each month. Paying a little extra each month can reduce the interest you pay and reduce the total cost of your loan over time. Contact your loan servicer to discuss these options.

Your Loan and Credit History

Data on federal student loans are reported to credit reporting agencies; therefore, maintaining a good repayment history is integral to protecting your credit worthiness. You can access complete data on your federal student loan history from the National Student Loan Data System website https://nslds.ed.gov/nslds/nslds_SA/.

Maintaining a good credit history on education loans is important since it may affect your ability to buy things like a home, a car, or a credit card. Whenever you apply for a loan, your credit report will most likely be reviewed. In reviewing your credit report, the lender is trying to determine your ability to repay.

To make an appointment for your Exit Counseling, please contact Elizabeth Torres by email at etorrest@delasalle.edu.mx or by phone (477) 710-8500 ext. 1514.