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Loan portfolio review

A practical checklist for reviewing your current federal and private student loan balances, rates, and servicers.

June 9, 20261 min read

A loan portfolio review starts with the basics: which balances are federal, which are private, which rates are fixed, and which servicer owns each loan today. That is the minimum you need before you compare repayment or refinance options.

Use this guide to spot your highest-rate balances, confirm whether you still have in-school protections worth keeping, and decide which loans need the closest attention before senior year starts.

Next step

See the real gap across your schools

CollegeLens walks through your award letters the same way this guide does, then compares what you would actually pay at each school.

Try CollegeLens free →

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PSLF eligibility guide

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