Understanding Your Acs Student Loan
By Mark Kessler, Thu Dec 8th

An ACS student loan is one that is serviced by AffiliatedComputer Services, Inc., a company that is known for outsourcingtechnology and business solutions. Many universities use the ACSstudent loan because of the company's reputation for usingtechnology to smooth over some of the more difficult aspects ofloan services. With an ACS student loan, students can makepayments online, instantly see the status of an account, changepersonal details like name and address, and receive emailnotification when payments have been processed.

A number of different financial aid programs fall under theheading of an ACS student loan. One of the major ACS studentloan groups is the Campus Based Student Loan Program (CBSL),which includes Federal Perkins Loans, Nursing Student Loans(NSL), and Institutional Loan Programs, among others. Anothermajor group of educational loans handled by ACS is the FederalFamily Education Loan Program (FFEL), which includes theStafford (GSL) Loans, PLUS loans to parents of students, and loanconsolidation services . ACS also handles a group ofeducational loans donated by a variety of private companies.

For those who do not already have an ACS student loan,applications and guidelines for different financial aid optionsare available online. The ACS website gives a clear example ofhow to fill out a Free Application for Federal Student Aid (FAFSA) form, and demonstrates what the results mean in terms of youreligibility for financial aid. Furthermore, applications forboth Stafford and PLUS

ACS provides non profit credit counseling, credit management and consolidation services to consumers
ACS provides credit repair, credit counseling and free consolidation information to consumers. ACS helps people solve debt problems by providing free credit counseling articles and resources. ACS is a non-profit community organization whose staff members have the training and experience to assist you.
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loans for parents can be found on the ACSwebsite, and can be completed and sent in online.

If you have an ACS student loan already, you might be interestedin learning about the benefits of student loan consolidation. The ACS website provides informationand application forms that could help you lock in a lower rateand reduce your monthly payment amount.

Other tools that might help you with your ACS student loaninclude a repayment calculator, IRS guidelines about how to useyour student loans for tax relief, and a glossary of importantstudent loan-related terms.

All in all, an ACS student loan is one that will give theborrower the most ease and flexibility when it comes to loanservicing from application to repayment and consolidation. ACSworks with a number of universities across the United States,including the University of Pittsburgh and the University ofVermont. Even if your specific university does not offer studentloans handled by ACS, their website is a treasure trove ofhelpful tools and information, and well worth a look.

About the author:Mark Kessler's website Student Loans 411offers a comprehensive free resource of college financial aidfor Consolidating Student Loans, Alternative Student Loans, ACS ,Bad Credit, US Department Of Education Student Loans, includinga variety student loan articles.