By claiming their account, the system will show any and all student loans that are actually part of Federal programs, and the relevant loan details (including which program it is, when it was taken out, and the current loan balance and interest rate)
To determine whether any of the student’s loans are actually Federal, the student can request their (Federal) loan information through the National Student Loan Data System (NSLDS).
To identify and verify all other loans, students should obtain a copy of their credit report (e.g., via the Federal once-per-year free credit report program) to identify all outstanding loans. Any loans that are shown on the credit report, and not listed in NSLDS, will be private loans. (Ideally, the student should also find or obtain a new copy of the actual promissory note for each private loan, to really understand the loan terms and details.)
Once all of this information has been gathered, it’s possible to organize all the details of the student loans, private and Federal, FFEL or Direct, and the terms, to identify whether it may make sense to either consolidate (for Federal loans) or refinance (for private loans).