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       Online Money Management Tools for Students
Borrow strategically
            Direct Loan program: studentloans.gov
            Your Direct Loan account: www.dl.ed.gov/borrower
            Your outstanding federal loan balances: nslds.ed.gov
            Loan consolidation: loanconsolidation.ed.gov
            Federal loan dispute resolution: ombudsman.ed.gov
            Loan service center (Perkins, UTFL, and health professions): ecsi.net
            U of M loan information: onestop.umn.edu/finances/financial_aid/loans

Use credit wisely
            Free credit reports: annualcreditreport.com
            TransUnion: transunion.com
            Equifax: equifax.com
            Experian: experian.com
            Know your FICO: myfico.com
            What's in your credit score: myfico.com/CreditEducation/WhatsInYourScore.aspx

            What you need to know about your credit: ftc.gov/gettingcredit

Manage your personal finances
            Money management: onestop.umn.edu/finances/manage_money

            Planning your financial life: mymoney.gov

            Identity Theft Resource Center: idtheftcenter.org

            Education tax benefits: tax.umn.edu/educational.html

            Manage your spending: mint.com

       Calculate your decisions
            Financial aid and loan calculators: finaid.org/calculators

            Credit card and personal finance calculators: bankrate.com/calculators.aspx

            Budget calculator: mygreatlakes.org/borrower/fiq/budget-calc.html

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consumer waste.         FA906 2/11 2,000                                                                               Please recycle

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