Downstate Financial Lecture

Here are the slides from Sotirios's talk given to Downstate Urology on May 16, 2018. Note that the slides cover many hours of topics, not just today's lecture.

If you found the lecture helpful, please help us promote DOCTORED MONEY, and help us advance the cause of physician financial literacy and well-being.

Don't forget to download the free investing book "If You Can" .

And please help us fill in some salary data for our House Staff Salary Project! If you know anyone at institutions which are currently "blank" please ask them send us 2018-2019 salaries.

Student Loan Data File

As promised in the lecture...

For those with student loans, get in the habit of checking your national student loan data file. Go to this link and click the Download icon at the bottom. You'll need to have your FSA login information or create an account if you don't have one. The data file is a text file which has every detail about every student loan you've ever had. It can be confusing, but just work your way through it. The top section is demographic and summary information, and then loans are listed in reverse chronological order. Sometimes it helps to start at the bottom and work your way up. I'll paste below a sample file. What I like to do is delete rows which contain info which is not relevant to me about a particular loan (e.g. name and address of the servicer, my name and address, etc) and then add line breaks between loans. In this way you'll get used to learning what's in the file, and also break up the hundreds of lines of text in a way your eye/mind can navigate. Learn how to find your repayment plan, your interest rates, your repayment anniversary date if you have one, and especially the number of months of PSLF credit already "banked". Remember, "control-f" (if windows) is your friend. Search for PSLF and go right to that line, for example. Let me know if you have any questions!

 

File Source:U.S. DEPARTMENT OF EDUCATION, NATIONAL STUDENT LOAN DATA SYSTEM (NSLDS)
File Request Date:2018-02-16-19.00.12.251
Student First Name:DOCTORED
Student Middle Initial:O
Student Last Name:MONEY
Student Street Address 1:
Student Street Address 2:
Student City:DENVER
Student State Code:CO
Student Country Code:US
Student Zip Code:80212
Student Email Address:
Student Home Phone Country Code:
Student Home Phone Number:
Student Home Phone Preferred:
Student Cell Phone Country Code:
Student Cell Phone Number:
Student Cell Phone Preferred:
Student Work Phone Country Code:
Student Work Phone Number:
Student Work Phone Preferred:
Student SULA Maximum Eligibility Period:0.0
Student SULA Subsidized Usage Period:0.0
Student SULA Remaining Eligibility Period:0.0
Student Enrollment Status:GRADUATED
Student Enrollment Status Effective Date:05/15/2015
Student Total All Loans Outstanding Principal:$299,447
Student Total All Loans Outstanding Interest:$2,674
Student Pell Lifetime Eligibility Used:0.000%
Student Total All Grants:$0
Total DIRECT STAFFORD UNSUBSIDIZED Outstanding Principal:$198,199
Total DIRECT STAFFORD UNSUBSIDIZED Outstanding Interest:$1,665
Total DIRECT PLUS GRADUATE Outstanding Principal:$92,702
Total DIRECT PLUS GRADUATE Outstanding Interest:$960
Total DIRECT STAFFORD SUBSIDIZED Outstanding Principal:$8,546
Total DIRECT STAFFORD SUBSIDIZED Outstanding Interest:$49

 

Loan Type:DIRECT STAFFORD UNSUBSIDIZED
Loan Award ID:*****2792U15G02707001
Loan Attending School Name:COLUMBIA UNIVERSITY IN THE CITY OF NEW YORK
Loan Attending School OPEID:00270700
Loan Date:06/25/2014
Loan Repayment Begin Date:11/16/2015
Loan Period Begin Date:07/01/2014
Loan Period End Date:05/20/2015
Loan Amount:$44,944
Loan Disbursed Amount:$44,944
Loan Canceled Amount:$0
Loan Canceled Date:
Loan Outstanding Principal Balance:$48,070
Loan Outstanding Principal Balance as of Date:01/31/2018
Loan Outstanding Interest Balance:$330
Loan Outstanding Interest Balance as of Date:01/31/2018
Loan Interest Rate Type:FIXED
Loan Interest Rate:5.41%
Loan Repayment Plan Type:REVISED PAY AS YOU EARN PLAN
Loan Repayment Plan Begin Date:08/02/2017
Loan Repayment Plan Scheduled Amount:$127
Loan Repayment Plan IDR Plan Anniversary Date:08/17/2018
Loan Confirmed Subsidy Status:
Loan Subsidized Usage in Years:
Loan Reaffirmation Date:
Loan Most Recent Payment Effective Date:02/06/2018
Loan Next Payment Due Date:02/16/2018
Loan Cumulative Payment Amount:$4,428
Loan PSLF Cumulative Matched Months:0
Loan Status:RP
Loan Status Description:IN REPAYMENT
Loan Status Effective Date:09/01/2017
Loan Status:FB
Loan Status Description:FORBEARANCE
Loan Status Effective Date:08/02/2017
Loan Status:RP
Loan Status Description:IN REPAYMENT
Loan Status Effective Date:06/01/2016
Loan Status:FB
Loan Status Description:FORBEARANCE
Loan Status Effective Date:05/03/2016
Loan Status:RP
Loan Status Description:IN REPAYMENT
Loan Status Effective Date:11/16/2015
Loan Status:IG
Loan Status Description:IN GRACE PERIOD
Loan Status Effective Date:05/16/2015
Loan Status:IA
Loan Status Description:LOAN ORIGINATED
Loan Status Effective Date:06/25/2014
Loan Disbursement Date:01/05/2015
Loan Disbursement Amount:$22,472
Loan Disbursement Date:06/27/2014
Loan Disbursement Amount:$22,472
Loan Contact Type:Current ED Servicer
Loan Contact Name:DEPT OF ED/FEDLOAN SERVICING(PHEAA)
Loan Contact Street Address 1:PO BOX 530210
Loan Contact Street Address 2:
Loan Contact City:ATLANTA
Loan Contact State Code:GA
Loan Contact Zip Code:303530210
Loan Contact Phone Number:800-699-2908
Loan Contact Phone Extension:
Loan Contact Email Address:accountinfo@myfedloan.org
Loan Contact Web Site Address:

 

Loan Type:DIRECT PLUS GRADUATE
Loan Award ID:*****2792P15G02707001
Loan Attending School Name:COLUMBIA UNIVERSITY IN THE CITY OF NEW YORK
Loan Attending School OPEID:00270700
Loan Date:06/25/2014
Loan Repayment Begin Date:01/05/2015
Loan Period Begin Date:07/01/2014
Loan Period End Date:05/20/2015
Loan Amount:$25,298
Loan Disbursed Amount:$25,298
Loan Canceled Amount:$0
Loan Canceled Date:
Loan Outstanding Principal Balance:$27,564
Loan Outstanding Principal Balance as of Date:01/31/2018
Loan Outstanding Interest Balance:$251
Loan Outstanding Interest Balance as of Date:01/31/2018
Loan Interest Rate Type:FIXED
Loan Interest Rate:6.41%
Loan Repayment Plan Type:REVISED PAY AS YOU EARN PLAN
Loan Repayment Plan Begin Date:08/02/2017
Loan Repayment Plan Scheduled Amount:$73
Loan Repayment Plan IDR Plan Anniversary Date:08/17/2018
Loan Confirmed Subsidy Status:
Loan Subsidized Usage in Years:
Loan Reaffirmation Date:
Loan Most Recent Payment Effective Date:02/06/2018
Loan Next Payment Due Date:02/16/2018
Loan Cumulative Payment Amount:$2,672
Loan PSLF Cumulative Matched Months:0
Loan Status:RP
Loan Status Description:IN REPAYMENT
Loan Status Effective Date:09/01/2017
Loan Status:FB
Loan Status Description:FORBEARANCE
Loan Status Effective Date:08/02/2017
Loan Status:RP
Loan Status Description:IN REPAYMENT
Loan Status Effective Date:06/01/2016
Loan Status:FB
Loan Status Description:FORBEARANCE
Loan Status Effective Date:05/03/2016
Loan Status:RP
Loan Status Description:IN REPAYMENT
Loan Status Effective Date:11/16/2015
Loan Status:DA
Loan Status Description:DEFERRED
Loan Status Effective Date:01/05/2015
Loan Status:IA
Loan Status Description:LOAN ORIGINATED
Loan Status Effective Date:06/25/2014
Loan Disbursement Date:01/05/2015
Loan Disbursement Amount:$12,649
Loan Disbursement Date:06/27/2014
Loan Disbursement Amount:$12,649
Loan Contact Type:Current ED Servicer
Loan Contact Name:DEPT OF ED/FEDLOAN SERVICING(PHEAA)
Loan Contact Street Address 1:PO BOX 530210
Loan Contact Street Address 2:
Loan Contact City:ATLANTA
Loan Contact State Code:GA
Loan Contact Zip Code:303530210
Loan Contact Phone Number:800-699-2908
Loan Contact Phone Extension:
Loan Contact Email Address:accountinfo@myfedloan.org
Loan Contact Web Site Address:
Loan Type:DIRECT PLUS GRADUATE
Loan Award ID:*****2792P14G02707001
Loan Attending School Name:COLUMBIA UNIVERSITY IN THE CITY OF NEW YORK
Loan Attending School OPEID:00270700
Loan Date:09/18/2013
Loan Repayment Begin Date:01/03/2014
Loan Period Begin Date:07/01/2013
Loan Period End Date:06/30/2014
Loan Amount:$26,713
Loan Disbursed Amount:$26,713
Loan Canceled Amount:$0
Loan Canceled Date:
Loan Outstanding Principal Balance:$30,648
Loan Outstanding Principal Balance as of Date:01/31/2018
Loan Outstanding Interest Balance:$279
Loan Outstanding Interest Balance as of Date:01/31/2018
Loan Interest Rate Type:FIXED
Loan Interest Rate:6.41%
Loan Repayment Plan Type:REVISED PAY AS YOU EARN PLAN
Loan Repayment Plan Begin Date:08/02/2017
Loan Repayment Plan Scheduled Amount:$81
Loan Repayment Plan IDR Plan Anniversary Date:08/17/2018
Loan Confirmed Subsidy Status:
Loan Subsidized Usage in Years:
Loan Reaffirmation Date:
Loan Most Recent Payment Effective Date:02/06/2018
Loan Next Payment Due Date:02/16/2018
Loan Cumulative Payment Amount:$2,957
Loan PSLF Cumulative Matched Months:0
Loan Status:RP
Loan Status Description:IN REPAYMENT
Loan Status Effective Date:09/01/2017
Loan Status:FB
Loan Status Description:FORBEARANCE
Loan Status Effective Date:08/02/2017
Loan Status:RP
Loan Status Description:IN REPAYMENT
Loan Status Effective Date:06/01/2016
Loan Status:FB
Loan Status Description:FORBEARANCE
Loan Status Effective Date:05/03/2016
Loan Status:RP
Loan Status Description:IN REPAYMENT
Loan Status Effective Date:11/16/2015
Loan Status:DA
Loan Status Description:DEFERRED
Loan Status Effective Date:01/03/2014
Loan Status:IA
Loan Status Description:LOAN ORIGINATED
Loan Status Effective Date:09/18/2013
Loan Disbursement Date:01/03/2014
Loan Disbursement Amount:$13,356
Loan Disbursement Date:09/23/2013
Loan Disbursement Amount:$13,357
Loan Contact Type:Current ED Servicer
Loan Contact Name:DEPT OF ED/FEDLOAN SERVICING(PHEAA)
Loan Contact Street Address 1:PO BOX 530210
Loan Contact Street Address 2:
Loan Contact City:ATLANTA
Loan Contact State Code:GA
Loan Contact Zip Code:303530210
Loan Contact Phone Number:800-699-2908
Loan Contact Phone Extension:
Loan Contact Email Address:accountinfo@myfedloan.org
Loan Contact Web Site Address:

 

Loan Type:DIRECT STAFFORD UNSUBSIDIZED
Loan Award ID:*****2792U14G02707001
Loan Attending School Name:COLUMBIA UNIVERSITY IN THE CITY OF NEW YORK
Loan Attending School OPEID:00270700
Loan Date:08/05/2013
Loan Repayment Begin Date:11/16/2015
Loan Period Begin Date:07/01/2013
Loan Period End Date:06/30/2014
Loan Amount:$47,167
Loan Disbursed Amount:$47,167
Loan Canceled Amount:$0
Loan Canceled Date:
Loan Outstanding Principal Balance:$52,900
Loan Outstanding Principal Balance as of Date:01/31/2018
Loan Outstanding Interest Balance:$363
Loan Outstanding Interest Balance as of Date:01/31/2018
Loan Interest Rate Type:FIXED
Loan Interest Rate:5.41%
Loan Repayment Plan Type:REVISED PAY AS YOU EARN PLAN
Loan Repayment Plan Begin Date:08/02/2017
Loan Repayment Plan Scheduled Amount:$140
Loan Repayment Plan IDR Plan Anniversary Date:08/17/2018
Loan Confirmed Subsidy Status:
Loan Subsidized Usage in Years:
Loan Reaffirmation Date:
Loan Most Recent Payment Effective Date:02/06/2018
Loan Next Payment Due Date:02/16/2018
Loan Cumulative Payment Amount:$4,865
Loan PSLF Cumulative Matched Months:0
Loan Status:RP
Loan Status Description:IN REPAYMENT
Loan Status Effective Date:09/01/2017
Loan Status:FB
Loan Status Description:FORBEARANCE
Loan Status Effective Date:08/02/2017
Loan Status:RP
Loan Status Description:IN REPAYMENT
Loan Status Effective Date:06/01/2016
Loan Status:FB
Loan Status Description:FORBEARANCE
Loan Status Effective Date:05/03/2016
Loan Status:RP
Loan Status Description:IN REPAYMENT
Loan Status Effective Date:11/16/2015
Loan Status:IG
Loan Status Description:IN GRACE PERIOD
Loan Status Effective Date:05/16/2015
Loan Status:IA
Loan Status Description:LOAN ORIGINATED
Loan Status Effective Date:08/05/2013
Loan Disbursement Date:01/03/2014
Loan Disbursement Amount:$23,584
Loan Disbursement Date:08/05/2013
Loan Disbursement Amount:$23,583
Loan Contact Type:Current ED Servicer
Loan Contact Name:DEPT OF ED/FEDLOAN SERVICING(PHEAA)
Loan Contact Street Address 1:PO BOX 530210
Loan Contact Street Address 2:
Loan Contact City:ATLANTA
Loan Contact State Code:GA
Loan Contact Zip Code:303530210
Loan Contact Phone Number:800-699-2908
Loan Contact Phone Extension:
Loan Contact Email Address:accountinfo@myfedloan.org
Loan Contact Web Site Address:

 

Loan Type:DIRECT PLUS GRADUATE
Loan Award ID:*****2792P13G02707001
Loan Attending School Name:COLUMBIA UNIVERSITY IN THE CITY OF NEW YORK
Loan Attending School OPEID:00270700
Loan Date:09/07/2012
Loan Repayment Begin Date:01/04/2013
Loan Period Begin Date:08/27/2012
Loan Period End Date:06/28/2013
Loan Amount:$27,501
Loan Disbursed Amount:$27,501
Loan Canceled Amount:$0
Loan Canceled Date:
Loan Outstanding Principal Balance:$34,490
Loan Outstanding Principal Balance as of Date:01/31/2018
Loan Outstanding Interest Balance:$430
Loan Outstanding Interest Balance as of Date:01/31/2018
Loan Interest Rate Type:FIXED
Loan Interest Rate:7.90%
Loan Repayment Plan Type:REVISED PAY AS YOU EARN PLAN
Loan Repayment Plan Begin Date:08/02/2017
Loan Repayment Plan Scheduled Amount:$91
Loan Repayment Plan IDR Plan Anniversary Date:08/17/2018
Loan Confirmed Subsidy Status:
Loan Subsidized Usage in Years:
Loan Reaffirmation Date:
Loan Most Recent Payment Effective Date:02/06/2018
Loan Next Payment Due Date:02/16/2018
Loan Cumulative Payment Amount:$4,158
Loan PSLF Cumulative Matched Months:0
Loan Status:RP
Loan Status Description:IN REPAYMENT
Loan Status Effective Date:09/01/2017
Loan Status:FB
Loan Status Description:FORBEARANCE
Loan Status Effective Date:08/02/2017
Loan Status:RP
Loan Status Description:IN REPAYMENT
Loan Status Effective Date:06/01/2016
Loan Status:FB
Loan Status Description:FORBEARANCE
Loan Status Effective Date:05/03/2016
Loan Status:RP
Loan Status Description:IN REPAYMENT
Loan Status Effective Date:11/16/2015
Loan Status:DA
Loan Status Description:DEFERRED
Loan Status Effective Date:01/04/2013
Loan Status:IA
Loan Status Description:LOAN ORIGINATED
Loan Status Effective Date:09/07/2012
Loan Disbursement Date:01/04/2013
Loan Disbursement Amount:$13,750
Loan Disbursement Date:09/10/2012
Loan Disbursement Amount:$13,751
Loan Contact Type:Current ED Servicer
Loan Contact Name:DEPT OF ED/FEDLOAN SERVICING(PHEAA)
Loan Contact Street Address 1:PO BOX 530210
Loan Contact Street Address 2:
Loan Contact City:ATLANTA
Loan Contact State Code:GA
Loan Contact Zip Code:303530210
Loan Contact Phone Number:800-699-2908
Loan Contact Phone Extension:
Loan Contact Email Address:accountinfo@myfedloan.org
Loan Contact Web Site Address:

 

Loan Type:DIRECT STAFFORD UNSUBSIDIZED
Loan Award ID:*****2792U13G02707001
Loan Attending School Name:COLUMBIA UNIVERSITY IN THE CITY OF NEW YORK
Loan Attending School OPEID:00270700
Loan Date:08/20/2012
Loan Repayment Begin Date:11/16/2015
Loan Period Begin Date:08/27/2012
Loan Period End Date:06/28/2013
Loan Amount:$42,722
Loan Disbursed Amount:$42,722
Loan Canceled Amount:$0
Loan Canceled Date:
Loan Outstanding Principal Balance:$52,620
Loan Outstanding Principal Balance as of Date:01/31/2018
Loan Outstanding Interest Balance:$526
Loan Outstanding Interest Balance as of Date:01/31/2018
Loan Interest Rate Type:FIXED
Loan Interest Rate:6.80%
Loan Repayment Plan Type:REVISED PAY AS YOU EARN PLAN
Loan Repayment Plan Begin Date:08/02/2017
Loan Repayment Plan Scheduled Amount:$139
Loan Repayment Plan IDR Plan Anniversary Date:08/17/2018
Loan Confirmed Subsidy Status:
Loan Subsidized Usage in Years:
Loan Reaffirmation Date:
Loan Most Recent Payment Effective Date:02/06/2018
Loan Next Payment Due Date:02/16/2018
Loan Cumulative Payment Amount:$5,159
Loan PSLF Cumulative Matched Months:0
Loan Status:RP
Loan Status Description:IN REPAYMENT
Loan Status Effective Date:09/01/2017
Loan Status:FB
Loan Status Description:FORBEARANCE
Loan Status Effective Date:08/02/2017
Loan Status:RP
Loan Status Description:IN REPAYMENT
Loan Status Effective Date:06/01/2016
Loan Status:FB
Loan Status Description:FORBEARANCE
Loan Status Effective Date:05/03/2016
Loan Status:RP
Loan Status Description:IN REPAYMENT
Loan Status Effective Date:11/16/2015
Loan Status:IG
Loan Status Description:IN GRACE PERIOD
Loan Status Effective Date:05/16/2015
Loan Status:IA
Loan Status Description:LOAN ORIGINATED
Loan Status Effective Date:08/20/2012
Loan Disbursement Date:01/04/2013
Loan Disbursement Amount:$21,361
Loan Disbursement Date:08/20/2012
Loan Disbursement Amount:$21,361
Loan Contact Type:Current ED Servicer
Loan Contact Name:DEPT OF ED/FEDLOAN SERVICING(PHEAA)
Loan Contact Street Address 1:PO BOX 530210
Loan Contact Street Address 2:
Loan Contact City:ATLANTA
Loan Contact State Code:GA
Loan Contact Zip Code:303530210
Loan Contact Phone Number:800-699-2908
Loan Contact Phone Extension:
Loan Contact Email Address:accountinfo@myfedloan.org
Loan Contact Web Site Address:

 

Loan Type:DIRECT STAFFORD UNSUBSIDIZED
Loan Award ID:*****2792U12G02707001
Loan Attending School Name:COLUMBIA UNIVERSITY IN THE CITY OF NEW YORK
Loan Attending School OPEID:00270700
Loan Date:09/19/2011
Loan Repayment Begin Date:11/16/2015
Loan Period Begin Date:08/15/2011
Loan Period End Date:06/08/2012
Loan Amount:$34,222
Loan Disbursed Amount:$34,222
Loan Canceled Amount:$0
Loan Canceled Date:
Loan Outstanding Principal Balance:$44,609
Loan Outstanding Principal Balance as of Date:01/31/2018
Loan Outstanding Interest Balance:$446
Loan Outstanding Interest Balance as of Date:01/31/2018
Loan Interest Rate Type:FIXED
Loan Interest Rate:6.80%
Loan Repayment Plan Type:REVISED PAY AS YOU EARN PLAN
Loan Repayment Plan Begin Date:08/02/2017
Loan Repayment Plan Scheduled Amount:$118
Loan Repayment Plan IDR Plan Anniversary Date:08/17/2018
Loan Confirmed Subsidy Status:
Loan Subsidized Usage in Years:
Loan Reaffirmation Date:
Loan Most Recent Payment Effective Date:02/06/2018
Loan Next Payment Due Date:02/16/2018
Loan Cumulative Payment Amount:$4,351
Loan PSLF Cumulative Matched Months:0
Loan Status:RP
Loan Status Description:IN REPAYMENT
Loan Status Effective Date:09/01/2017
Loan Status:FB
Loan Status Description:FORBEARANCE
Loan Status Effective Date:08/02/2017
Loan Status:RP
Loan Status Description:IN REPAYMENT
Loan Status Effective Date:06/01/2016
Loan Status:FB
Loan Status Description:FORBEARANCE
Loan Status Effective Date:05/03/2016
Loan Status:RP
Loan Status Description:IN REPAYMENT
Loan Status Effective Date:11/16/2015
Loan Status:IG
Loan Status Description:IN GRACE PERIOD
Loan Status Effective Date:05/16/2015
Loan Status:IA
Loan Status Description:LOAN ORIGINATED
Loan Status Effective Date:09/19/2011
Loan Disbursement Date:01/04/2012
Loan Disbursement Amount:$17,111
Loan Disbursement Date:09/20/2011
Loan Disbursement Amount:$17,111
Loan Contact Type:Current ED Servicer
Loan Contact Name:DEPT OF ED/FEDLOAN SERVICING(PHEAA)
Loan Contact Street Address 1:PO BOX 530210
Loan Contact Street Address 2:
Loan Contact City:ATLANTA
Loan Contact State Code:GA
Loan Contact Zip Code:303530210
Loan Contact Phone Number:800-699-2908
Loan Contact Phone Extension:
Loan Contact Email Address:accountinfo@myfedloan.org
Loan Contact Web Site Address:
Loan Type:DIRECT STAFFORD SUBSIDIZED
Loan Award ID:*****2792S12G02707001
Loan Attending School Name:COLUMBIA UNIVERSITY IN THE CITY OF NEW YORK
Loan Attending School OPEID:00270700
Loan Date:09/19/2011
Loan Repayment Begin Date:11/16/2015
Loan Period Begin Date:08/15/2011
Loan Period End Date:06/08/2012
Loan Amount:$8,500
Loan Disbursed Amount:$8,500
Loan Canceled Amount:$0
Loan Canceled Date:
Loan Outstanding Principal Balance:$8,546
Loan Outstanding Principal Balance as of Date:01/31/2018
Loan Outstanding Interest Balance:$49
Loan Outstanding Interest Balance as of Date:01/31/2018
Loan Interest Rate Type:FIXED
Loan Interest Rate:6.80%
Loan Repayment Plan Type:REVISED PAY AS YOU EARN PLAN
Loan Repayment Plan Begin Date:08/02/2017
Loan Repayment Plan Scheduled Amount:$23
Loan Repayment Plan IDR Plan Anniversary Date:08/17/2018
Loan Confirmed Subsidy Status:
Loan Subsidized Usage in Years:
Loan Reaffirmation Date:
Loan Most Recent Payment Effective Date:02/06/2018
Loan Next Payment Due Date:02/16/2018
Loan Cumulative Payment Amount:$857
Loan PSLF Cumulative Matched Months:0
Loan Status:RP
Loan Status Description:IN REPAYMENT
Loan Status Effective Date:09/01/2017
Loan Status:FB
Loan Status Description:FORBEARANCE
Loan Status Effective Date:08/02/2017
Loan Status:RP
Loan Status Description:IN REPAYMENT
Loan Status Effective Date:06/01/2016
Loan Status:FB
Loan Status Description:FORBEARANCE
Loan Status Effective Date:05/03/2016
Loan Status:RP
Loan Status Description:IN REPAYMENT
Loan Status Effective Date:11/16/2015
Loan Status:IG
Loan Status Description:IN GRACE PERIOD
Loan Status Effective Date:05/16/2015
Loan Status:IA
Loan Status Description:LOAN ORIGINATED
Loan Status Effective Date:09/19/2011
Loan Disbursement Date:01/04/2012
Loan Disbursement Amount:$4,250
Loan Disbursement Date:09/20/2011
Loan Disbursement Amount:$4,250
Loan Contact Type:Current ED Servicer
Loan Contact Name:DEPT OF ED/FEDLOAN SERVICING(PHEAA)
Loan Contact Street Address 1:PO BOX 530210
Loan Contact Street Address 2:
Loan Contact City:ATLANTA
Loan Contact State Code:GA
Loan Contact Zip Code:303530210
Loan Contact Phone Number:800-699-2908
Loan Contact Phone Extension:
Loan Contact Email Address:accountinfo@myfedloan.org
Loan Contact Web Site Address:
Program School Name:COLUMBIA UNIVERSITY IN THE CITY OF NEW YORK
Program School OPEID:00270700
Program CIP Title:Medicine.
Program Credential Level:First Professional Degree
Program Begin Date:09/01/2011
Program Published Length in Years:4.2
Program Status Description:Graduated
Program Status Effective Date:05/15/2015
Program Status Description:Full Time
Program Status Effective Date:01/15/2015