Individual

Whether you're enrolling in college for the first time or returning to school after a period of time off, you should explore your needs for student aid. Federal student aid from the U.S. Department of Education is the largest source of aid in America, providing over $150 billion in grants, work-study, and federal loans for students attending four-year colleges or universities, community colleges, and career schools. On this page, we discuss who gets aid, the types of aid available, how to apply, and more!

This website, which is geared for college students, provides information on financial literacy (education on the management of personal finances) and planning and paying for postsecondary education. Learn about making sound financial decisions regarding the vast array of financial products, services, and providers.

Find information about repaying federal student loans including the new Income Based Repayment Plan, other repayment plans, loan deferments, servicing, consolidation, forgiveness, budgeting, and more. This website also includes on-line calculators to help you determine payment options.

Under the federal Consumer Leasing Act, you, the consumer, have a right to information about the costs and terms of a vehicle lease. This resource will help you compare lease offers and negotiate a lease that best fits your needs, budget, and driving patterns.

Information on how to obtain your credit report, how credit scores are determined, how to verify reported information, and how to improve and maintain a good credit score.

If you are having difficulty making your mortgage payment, one of the most important things you can do is seek assistance. This website provides information and links to agencies and organizations that may be able to help you with mortgage payments and keep your home.

The Federal Reserve Banks have established Foreclosure Resource Centers to help address local and regional challenges in their mortgage markets and local communities. The site probides background information and links regional foreclosure centers, where you’ll find resources for small municipalities, housing counselors, and consumer and community groups.

If you are in the market for a loan or credit, a home equity plan is one of several options that might be right for you. This website provides details about home equity loans and gives tips for shopping for this form of loan.

This brochure explains about dealing with mortgage lenders. It tells you where to look, what to look for, and what takes place when you apply for a mortgage. Knowing what to expect, especially if you are a first-time homebuyer, may make it easier for you to get through the process.

This website give us an overview of Adjustable Rate Mortgages, explains how ARMs work, and discusses some of the issues you might face as a borrower. It features a Mortgage Checklist to help with your decision.