Texas

Scholarships and Student Loans

General Legal Information

This section provides guides and publications on the following subjects:

Scholarships:  Funds provided to a student to help pay the cost of obtaining an education generally without expectation of repayment.

Student Loans:  Funds provided to a student to help pay the cost obtaining an education generally with the expectation of repayment with interest.

  • Need help paying your student loan? Start Here!

    You are not alone if you are a student loan borrower struggling to repay your loans. The good news is that there is almost always something you can do to improve your situation. Your options vary a lot depending on what type of loan you have. It is essential to know this information before you can start dealing with your student loan problems. Content Detail

    By:
    Student Loan Borrower Assistance
  • Grants and Scholarships: General Information.

    Grants and scholarships are often called “gift aid” because they are free money—financial aid that doesn’t have to be repaid. Grants are often need-based, while scholarships are usually merit-based. Grants and scholarships can come from the federal government, your state government, your college or career school, or a private or nonprofit organization. Do your research, apply for any grants or scholarships you might be eligible for, and be sure to meet application deadlines! Content Detail

    By:
    U.S. Department of Education: Federal Student Aid
  • Student Loans: Avoiding Deceptive Offers

    Whether you’re taking out a new student loan or consolidating existing education loans, the Federal Trade Commission (FTC), the nation’s consumer protection agency, and the U.S. Department of Education (ED), the agency that oversees federal student loans, want you to know how to spot potentially deceptive claims or business practices some private companies may use to get your loan business. Please read the publication at the following link for more information. Read More

    By:
    Federal Trade Commission
  • Student Loans: Understanding Repayment

    When it comes to repaying your federal student loan, there’s a lot to consider. Understanding the details of repayment can save you time and money. Find out when repayment starts, how to make your payment, repayment plan options, what to do if you have trouble making payments, and more! Content Detail

    By:
    U.S. Department of Education - Federal Student Aid
  • Student Loans: Understanding Defaults

    If you don’t make your loan payments, you risk going into default. Defaulting on your loan has serious consequences. Your school, the financial institution that made or owns your loan, your loan guarantor, and the federal government all can take action to recover the money you owe. Understand how missing a loan payment can be a problem, what default means and the consequences of default, and what you need to do if your loan is in default or if you think the default on your loan is an error. Content Detail

    By:
    U.S. Department of Education - Federal Student Aid
  • Student Loans: Resolving Disputes

    At the link below are some steps you can take to resolve your loan dispute. Read More

    By:
    U.S. Department of Education - Federal Student Aid
  • Student Loans: Programs for Military

    The “Post 9/11 G.I. Bill” provides significant new educational benefits for service members on active duty and after active duty. Military service members who have served an aggregate of at least 90 days on active duty in the Armed Forces are eligible. The benefit amounts vary depending on the amount of service. Those who serve for 36 months are eligible for 100% of benefits. Read More

    By:
    Student Loan Borrower Assistance
  • Economic Hardship Deferment Self Help Packet

    A deferment is a way to postpone paying back your student loans for a certain period of time. Click the link below for more information. Read More

    By:
    National Consumer Law Center
  • Direct Loan Consilidation Self Help Packet

    Consolidation is similar to refinancing a loan. You can consolidate all, just some, or even just one of your student loans. Click this link for more information on this option. Read More

    By:
    National Consumer Law Center
  • Tax Information for Students

    Good general information on Taxes for Students. Click the link below for more information. Content Detail

    By:
    Internal Revenue Service
  • Student Loans Fact Sheet

    Click this link for information on Student Loans including what happens if your payments are late, how you can avoid a default, and how Bankruptcy law affects Student Loans. Read More

    By:
    Texas RioGrande Legal Aid
    Read this in:
    Spanish / Español
  • National Association of Consumer Advocates

    1730 Rhode Island Avenue NW, Ste 710 Washington, DC 20036
    (202) 452-1989
    This group does not provide legal representation in court.
  • Student Loan Repayment Estimator

    Want to know how much money it will take to pay off student loans? Click here for an estimator developed by the U.S. Department of Education. Content Detail

    By:
    U.S. Department of Education.
  • Unemployment Deferment Self Help Packet

    A deferment is a way to postpone paying back your student loans for a certain period of time. This packet contains information about the federal student loan unemployment deferment. Click this link for more information and a self packet to help you, now! Read More

    By:
    Student Loan Borrower Assistance
    Read this in:
    Spanish / Español