Student Loan Debt Letter

  • Does the debt letter include all of my student loan debt?

    SHSU has made a good faith effort to provide you with a good estimate of your student loan debt to date; however, the letter may not contain all of your student loans. There are a myriad of reasons why your actual loan amount may differ: timing of disbursements and communication, your attendance at other schools, and lack of information regarding any alternative loans you may have are just a few examples.


    If you are uncertain about the types of student loans and the amount of student loans you have, please schedule an appointment with the Student Money Management Center (SMMC) to review your student loans.

  • According to my records, the university’s estimate of my student loan debt is too high. Why is that?

    If you have been making payments on your student loans, recent payments may not be reflected in this data. Also, if you had a reduction of your student loans due to the late receipt of a scholarship, your loan servicer may not have recorded that transaction. If you need help in determining these types of discrepancies, the Student Money Management Center would like to work with you to reconcile these items. Contact them via phone: 936.294.2600 or on CAMPUSCONNECT to schedule an appointment.

  • As I move forward through school, is there a way that I can reduce the amount of student loans I take?

    We can’t answer that question without working with you to review your current goals and budget; but, the Student Money Management Center is available to help you assess and brainstorm other ways to help you pay for your education!


    Work with the SMMC to determine if you are perhaps eligible for tuition and fee waivers or the TEACH Grant! Do you qualify for Work Study? There are also a limited number of jobs on-campus that reduce your housing expenses and give you a paycheck!

  • I didn’t realize I had accumulated so much student loan debt! How am I going to pay for all of this?

    You may be eligible for a tuition rebate, Public Service Loan Forgiveness, teacher loan forgiveness, or an Income Driven Repayment Plan that also includes various types of loan forgiveness. The Student Money Management Center can help you figure all of this out and assist you in setting up a budget for a successful transition from your educational career at Sam Houston to your new professional career!

  • I only utilized Subsidized Loans. Why did my student loan debt letter include an estimate for interest?

    Subsidized loans do not accrue interest while you are enrolled in at least six credit hours. However, once you are not enrolled as a student (at least half-time), your subsidized loans begin accumulating interest.

  • What if I’ve reviewed all of these Frequently Asked Questions and have more?

    You can do any of the following:

    • E-mail studentdebt@shsu.edu
    • Schedule an appointment with the Student Money Management Center via CAMPUSCONNECT for Students
    • Contact the Student Money Management Center at 936.294.2600 to schedule an appointment!