Keeping all your ducks in a row is essential when it comes to your student loans. You're responsible for keeping track of their balance and repayment status. If you suspect that you have a loan that has fallen between the cracks or worry you may owe an additional loan, avoid leaving anything to chance. Instead, find out exactly what loans you owe.

Step 1

Log in to the National Student Loan Data System for Students. Most student loans appear in this database, which was created as a central tool for students to use, to locate their loans, loan servicer and check balances. You need to provide your Social Security number, the first two letters of your last name, your date of birth and your federal student aid PIN. You can apply for or change your PIN at any time.

Step 2

Visit or contact the loan servicer for any loan you question in the NSLDS database. The loan servicer and contact details should be listed for each loan. You may be able to get the information you need by creating an account or logging into the loan servicer's website and reviewing the up-to-date information it provides.

Step 3

Request a copy of your credit report to see if you owe on any private student loans. Unlike your federal student loans, your private loans don't show up in the NSLDS database. However, they should appear on your consumer credit report, like other debts you might owe.

Step 4

Call the college or university you attended and ask if you have any outstanding loans or balances with them. Some loans, such as the Perkins Loan, may be a campus-based loan that is serviced in-house or by a third party to the school.