Why does Loanlook need to know my personal information before granting me access to the site?

Loanlook uses the information you provide when registering for an account to verify your identity. The information you provide is necessary to protect your information from unauthorized access.

I don't remember my password. What should I do?

If you don't remember your password, go to the link on the log in page. You will be asked to answer your security question. If you do not remember the answer to your security question, you can contact the Loanlook security team by email at security@loanlook.com or by telephone at 1-855-4-loanlook.

How is my personal and confidential information stored and protected from disclosure?

All personally identifiable and confidential information is segregated from other information to allow for application of appropriate protection mechanisms based on the criticality of the information being protected. The only information that is stored is that which is needed to verify your identity and to retrieve initial student loan information and subsequent student loan updates. All personal and confidential information is encrypted using a minimum of AES-256 encryption while in storage, in transit, and at rest. Multi-level encryption is used to this end.

Am I at greater risk of identity theft or fraudulent transactions due to my use of Loanlook?

No, the technological and process controls employed by Loanlook ensure that your identity and information is secured at the highest level possible at all time. At no time will you be asked to provide any personal or confidential information in an unsecure or unencrypted manner. Loanlook takes every precaution possible and conducts consistent and regular security assessments, penetration tests, and vulnerability scans to ensure the safety and security of your information at all times.

Who has access to my personal and confidential information stored on Loanlook?

You are the only one with complete access to your personal and confidential information stored on Loanlook. Loanlook has structured its organization, its systems, and its applications so that no one person other than you has all of the information necessary to access your protected information. Loanlook employs role-based access, separation of duties, and regular auditing and assessments to ensure that no one besides your self has the ability to see your personal and confidential information.

Will having an account on Loanlook generate unwanted telephone calls or emails to me?

No, Loanlook is provided to you for your use only. No party will contact you via any media as a Loanlookresult of your registration on Loanlook with the exception of the notifications generated by Loanlook notifying you of account registration, password changes, profile updates, or loan status changes.

How would I know if an unauthorized individual accessed my account and information?

The Loanlook website notifies you via email upon certain key events such as account registration, profile updates, and password changes. If you receive one of these emails but you were not the person initiating those activities, that would be an indicator to you of unauthorized access. Loanlook also monitors its systems continuously and has implemented tools to identify and prevent unauthorized activity. In the unlikely event that a breach were to occur, Loanlook is obligated to notify all of its registered users of the breach, enabling you to take appropriate action at that time to protect your identity and your information.

Am I at risk of Loanlook distributing or selling my information to an unauthorized third party?

No, Loanlook does not and will not distribute or sell any of the information contained in Loanlook to an unauthorized third party. Loanlook processes and procedures are structured specifically to prevent unauthorized disclosure, distribution, or sale of your information.

What should I do if I suspect that a security related issue has occurred with regards to my Loanlook account or information?

If you suspect that a security breach or infraction has occurred, immediately contact the Loanlook Security Team by email at security@loanlook.com or by telephone at 1-855-4-loanlook.

Where can I learn more about the security of the Loanlook website?

Below are some additional Loanlook information security resources:

I no longer want to use Loanlook. How do I terminate my account?

If you would like to permanently terminate your Loanlook account, go to My Profile where you will find a "Delete Account" link.

How do I change the email account I use to login to Loanlook?

To change the email account you use to access your Loanlook account, go to your My Profile page and click on the "Update" button next to your current email address.

How do I change my password?

To change the password you use to access your Loanlook account, go to your My Profile page and click on the "Update" button next to your current password.

How do I change my mailing address and phone number in Loanlook?

Keeping your contact information up to date is critical. Doing so is simple. Just go to your My Profile page and click on the "Update" button next to your old address or phone number and enter your new information in the space provided.

Below are real questions asked of us by the Loanlook Community with responses from us:

User: I don't know who to pay or when to pay. Help!

Loanlook's Loan Records page gives you the contact information for all of the servicers of your Federal Student Loans. Servicers manage the student loans that the government gave you. You setup payment plans and make your payments to your individual servicer. It is possible that you have more than one servicer and/or that your servicer will change over time. Luckily, Loanlook has a built in Notification system to let you know if and when your servicer changes. If you have private loans then you make payments and setup payment plans with the private lender of your loans.

User: I can't afford my monthly student loan payments.

Loanlook has a few ways to help you with this problem. The first thing we recommend you utilize is Loanlook's interactive Budget tool that can help you see where your money is going each month. Affording your student loan payments might be as simple as cutting out unnecessary expenses from you budget. If after utilizing the budget tool and taking a close look at your expenses, you cannot afford your payment, take a look at all of the different payment plans available to you. Loanlook shows you your standard, graduated, and extended (if you qualify) on your Loanlook Dashboard for all your Federal Student Loans. Loanlook also has an IBR Calculator and a Consolidation Calculator to help you decide if either of those options would be right for you. If you have private student loans, you will have to contact your lender directly to discuss repayment strategies as payment plans as Loanlook only has payment history on your private loans and not payment plan specifics. As always, we encourage you to call or Live Chat with one of our counselors to discuss all of your payment options.

User: I want to save as much money is possible when paying back my loans.

Loanlook can help save you a lot of money in additional interest accrual over the course of your loans. Our Payment Optimizer calculator can show you how to pay off your loans in the best way possible to save you money. It starts by importing all of your available income from your Budget page to show you how much you can save if you spent all of your disposable income on your loans. You can then change it to a dollar amount you'd like to spend each month or a time frame you'd like to have them paid off by. We advise that you save this plan on Loanlook and contact your servicer to have yoru plan instituted. It is very important to discuss with your servicer the plan that you created on Loanlook because if you simply send your servicer more than the minimum payment, they could apply it to future payments instead of paying down your principal balance. Tell your servicer to apply any additional payment over the standard repayment amount to the principal balance and not to future payments to maximize the amount you save over time in additional interest accrual.

User: My loans are supposed to be in deferment, but my servicer says I am delinquent on my loans.

Whenever you get important student loan documentation we recommend that you upload it to the DocSpot. DocSpot is Loanlook's cloud storage system. You can save things like your loan deferment confirmation there so you always have a copy on hand to correct your servicer. It is also possible that Loanlook hasn't received an update from your servicer in regards to the status of your loans. Usually Loanlook will be updated with loan status information about a week after the status has been changed with your servicer because of delays in transferring this information to NSLDS and then to Loanlook. If it is not a case of mistaken paperwork, please call or Live Chat with our counselors to have the problem corrected right away.

User: Isn't there an easier way to monitor my loans then logging into my Loanlook account all the time?

There is. Loanlook has a Mobile App for both iOS and Android devices. The app allows you to take all of your loan information on the go with your smartphone. Loanlook is also backed by a powerful Notification system that alerts you to any and all important information surrounding your student loans like when your loan changes status, when your servicer changes, when your payment is due, etc…. You can manage what types of notifications you receive on the Notifications page of Loanlook and setup additional payment notification reminders to keep track of all your payments.

User: Can I make payments on Loanlook?

Currently you cannot make payments on Loanlook. However, we are hard at work to make it possible and are getting closer every day. We will keep our user base posted of changes as these enhancements are completed.

User: Does Loanlook consolidate my loans?

Loanlook does not consolidate your loans. Consolidation is not a solution that is right for everyone. Use Loanlook's Consolidation calculator to determine if consolidation is right for you. Even though your payments will decrease with a consolidation, your interest rate and total repayment amount will increase. Please contact our counselors via phone or Live Chat to discuss if consolidation is right for you.

User: Will Loanlook show me my private loans?

As a Loanlook user, you have the ability to add your private loans to the site. Simply go to the Loan Manager page and click "add private loans". Loanlook has a list of private loan lenders that we are able to communicate with to pull your private loan data to the site. If you don't see your lender, request your lender to be added and we will have our development team update you when the lender you requested is added.

User: What if my lender is not on the list?

No problem, submit your lender to the Loanlook team via text box on the Add Private Lender page and we will get it added to the list and update you when it is added.

User: I am currently in school. Do I have to make payments now?

As long as you are enrolled as a full-time student, your Federal Student Loans do not have to be repaid until you leave school. However, if you can afford to make payments, even very small ones, it is always a good idea. This is especially true if you have unsubsidized student loans. Unsubsidized loans accrue interest even while you are enrolled in school and that interest capitalizes at the end of your grace period. Therefore you can save yourself a lot of money by paying down that interest while you are enrolled in school.

User: I have defaulted on my previous student loans, but I want to go back to school to finish my education. I'm told I can't take out anymore loans. Please Help.

Defaulted borrowers have a few options at their disposal to go back to school and receive additional Federal Student Loans. The options are:

  • Payment in full – when you defaulted, the entire balance became immediately due and you can pay your entire balance to get your loans out of default. If this isn't an option;
  • Loan rehabilitation – from a credit report perspective, this could be your best option. First, you must make nine voluntary on-time payments during a 10-month period. These payments can be reasonable and affordable but typically have to cover at least accruing interest and collection costs. After the nine monthly payments, your loan will be rehabilitated and transferred to a servicer instead of a Private Collection Agency. Once rehabilitated, your credit report will no longer reflect the default and you will have a new loan that you'll be making payments on. Rehabilitation is available only one time, so make the most of your rehabilitation and make sure your payments are on time.

There may be some additional options as well. Please contact our counselors via phone or Live Chat to discuss all of your options.

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