Education Department

• 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
• Where can I apply for Financial Aid?
• 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 apply online for loan consolidation

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