Financial Literacy and Responsible Borrowing

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Financial Literacy
Financial literacy is the ability to use knowledge and skills to manage financial resources effectively for a lifetime of financial well-being. Students must use this knowledge to make good decisions related to budgeting, borrowing and repayment strategies. Stay informed for the best ways to utilize financial aid without unnecessarily overburdening yourself with student loan debt.


Student Loan Repayment Options

Although students are assigned a standard repayment plan on their federal loans, they can change their repayment plan at any time to best meet their financial situation. Under certain circumstances, a student may qualify for a deferment or forbearance, which allows the temporarily postponement or reduction of federal student loan payments. 


Responsible Borrowing

Students are responsible for repaying their student loans, so it’s important to only borrow what is needed to cover educational costs as opposed to borrowing the maximum one is eligible to receive. It is recommended students exhaust other types of aid before considering alternative loans, which may carry a higher interest rate and less-flexible repayment options than federal loans. Be a responsible borrower:


National Student Loan Data System (NSLDS)

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

Inceptia LogoGrace Counseling Outreach and Default Prevention Outreach
You’re not alone when it comes to student loans. Post University has partnered with Inceptia, a division of National Student Loan Program (NSLP), to provide you with FREE assistance on your Federal student loan obligations to ensure successful, and comfortable, loan repayment.  Inceptia’s friendly customer representatives may reach out to you during your grace period to answer questions you have about your loan obligation and/or repayment options. They may also contact you if your loan(s) become delinquent. Inceptia is not a collection agency. We’ve partnered with them to help you explore a wide variety of possibilities such as alternative repayment plans, deferment, consolidation, discharge, forgiveness, and forbearance options. Inceptia will stay in touch with you via phone calls, letters, and/or emails to help you find answers to your questions and solutions to your issues. For additional resources including information on repayment options, please visit Inceptia’s Federal Student Loan Overview.

Making smart financial decisions when it comes to attending college will make for a less stressful process. To learn more about how Post University can make education more affordable and more valuable, visit apply for financial aid to learn about eligibility and requirements to receive federal aid.