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Debt Management Tools

These debt management tools can assist you in strengthening your financial literacy, loan repayment, and money management skills. The HWCOM Office of Financial Assistance utilizes these tools in the required Debt Management Program.

HWCOM Interactive Budget Worksheet

The HWCOM Interactive Budget Worksheet Guide and Budget Worksheet can help you determine the appropriate amount of financial aid to accept.

The National Student Loan Data System

The National Student Loan Data System (NSLDS) is the U.S. Department of Education‘s central database for student aid. NSLDS receives data from schools, guaranty agencies, the Direct Loan program, and other Department of Education programs. NSLDS Student Access provides a centralized, integrated view of Title IV loans and grants, so that recipients can access and inquire about their personal loans and/or grants data.

Credit Reports

It is important that students realize the impact their credit reports have on financial aid options, student loans, and future credit access. Students should regularly monitor credit histories and annually check credit reports.