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Congressman Joe Courtney

Representing the 2nd District of Connecticut

U.S. Department of Education

Below are some frequently asked questions related to preparing for and paying for college.

If you would like my help with an education issue, please complete my Privacy Authorization Form and fax or mail it to my Enfield  office.

How do I prepare my child academically and/or financially for college?

You can help your child make informed decisions about his or her college education.

Find helpful information to prepare your child for college

There are many federal, state, and private educational savings programs. Educational IRA's, prepaid tuition plans, savings bonds and trust plans are just a few of the many ways to prepare for your child's educational expenses. In addition, legislation was recently passed for the 529 savings plan which is now available in all 50 states.

 Find more information regarding these and other educational savings plans

What happens if I default on my federal student loan?

It is extremely important not to default on any loan, and defaulting on a federal student loan will impact your credit history. Eventually, your wages may be garnished as a result of defaulting on a student loan.

However, if you feel you may have to default, or if you are already in default, you should contact your lending company for counseling.

Get more information on loan defaults

What is loan consolidation and am I eligible for one?

Consolidation loans allow you to combine different types of federal student loans to simplify repayment. Even if you have just one loan, you can also choose to consolidate it. Both the Federal Family Education Loans (FFEL) and Direct Loan Programs offer consolidation loans.

Find more details and to apply online for loan consolidation


How do I prepare my child academically and/or financially for college?
 

The Public Service Loan Forgiveness (PSLF) program was created to attract more Americans to careers like teaching, public health, and law enforcement by providing those who work in these critical professions with a mechanism to discharge the balance of their student loan following at least ten years of consistent, on-time payments. The Department of Education's handling of the program thus far hasn't met the level of performance we need, and I'm working to ensure that people in Connecticut who are depending on the PSLF program are armed with all of the information they need in order to successfully navigate the program.

Click here to learn to find more my PSLF fact sheet, and to learn more about the PSLF program.

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