Timothy J. Sierra, Attorney at Law Trusted Florida Bankruptcy Attorney Since 1987
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Types of Student Loans

There are three types of student loans, Federal, State or Private. The difference is important to know because each has different options for payments and borrower rights. Federal loans are backed by the Department of Education. If the loan is not guaranteed by the Department of Education then it is either a state or private loan. The promissory note will indicate what type of loan it is. To check to see if your loan is Federal, you can log into National Student Loan Database System. After establishing a PIN you can get a complete history of your federal loans. If a loan is not listed there, it is either a state or private loan. You may also check your credit report or you can ask the debt collector or the person calling. The NSLDS is important as it contains who the originator of your loan. This will lead you to be able to determine what type of federal loan you have, such as a direct loan or FFEL. The type will dictate what remedies are available for repayment. For more information, contact the Law Offices of Timothy J. Sierra.

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  • "I recommend Timothy Sierra - a loyal and dependable lawyer. When you talk to him you feel that you are with a friend or a member of your family. Timothy is able to lead you in every step of the process. Good job Timothy. "
  • "I recommend Timothy Sierra - a loyal and dependable lawyer. When you talk to him you feel that you are with a friend or a member of your family. Timothy is able to lead you in every step of the process. Good job Timothy. "
  • "I recommend Timothy Sierra - a loyal and dependable lawyer. When you talk to him you feel that you are with a friend or a member of your family. Timothy is able to lead you in every step of the process. Good job Timothy. "
  • "I recommend Timothy Sierra - a loyal and dependable lawyer. When you talk to him you feel that you are with a friend or a member of your family. Timothy is able to lead you in every step of the process. Good job Timothy. "
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118 South Rome Avenue
Tampa, FL 33606

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6314 U.S. Highway 301 South
Riverview, FL 33578

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Phone: 813-463-2256
Fax: 813-258-4746
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305 North Parsons Avenue
Brandon, FL 33510

Toll Free: 877-492-7449
Toll Free: 877-492-7449
Phone: 813-463-2256
Phone: 813-463-2256
Fax: 813-258-4746
Map & Directions