In today’s economy, student loans often play a major role in financing higher education and the ACS-education.com website provides both borrower and school portals for Campus Based Student Loan Programs (CPS), Private Educational Loans, and the Federal Family Education Loan Program (FFEL). Users may register for the ACS-education website in order to gain access to a variety of services including general information, forms, ExpressPay (online payment), address and telephone number updater, and access to their financial and detailed account information. Borrowers may also utilize the online deferment pre-qualifier for the FFEL Program.
The Info Center on the ACS-education website offers a FAQ as well as a repayment calculator to help students determine what their repayment amounts will be after they graduate. The info center also includes a glossary, tax relief information, and details on HERA Terms and Conditions.
HERA is the Higher Education Reconciliation Act of 2005 and it made changes to the terms and conditions of Federal Consolidation, Federal Plus, and Federal Stafford loans. For some people, the terms and conditions detailed on their MPN (Stafford Master Promissory Note), PLUS MPN, Endorses Addendum, Promissory Note or Consolidation Application have been changed due to HERA. One of the major changes from HERA, and the one which affects the largest number of people alters spousal consolidation. Loan applications and promissory notes which have been received on or after July 1, 2008 no longer allow married couples to be joint borrowers on a Federal Consolidation Loan.
In order to contact or register for the ACS-education website, users must enter their social security number. For folks who do not wish to provide their social security number, information and services available from the ACS-education.com website are limited 
