Financial Aid Phone Numbers


Dr. Herm Davis 301-548-9423
Academic Common Market 410-260-4500
CollegeBoard CSS Profile 305-829-9793
Direct Loan Origination Ctr. 800-848-0979
Direct Loan Consolidation 800-557-7392
Department of Education FAFSA 800-433-3243
MD College Tuition Sav. Plan 888-463-4723
MD Prepaid Tuition Svgs Plan 410-260-4500
Sandy Spring Bank 301-774-6400
USED Consolidation 800-433-3243
Veterans Affairs Benefits 800-827-1000


Loan Consolidation

Federal Student Aid Department of Education
Direct Consolidation Loans

Federal Direct Loan Consolidation Contact Phone Number:

Consolidation News!!
As a reminder, student borrowers can no longer consolidate their loans while they are enrolled in college. Repayment is defined as not beginning until 6 months and one day after the date the student ceases to carry at least one-half the normal full-time academic workload status. Borrowers can apply for a Direct Loan Consolidation or a FFEL Loan Consolidation Stafford, SLS, Federal Perkins, Nursing, Health Education Assistance and PLUS Loans (parent and graduate/professional degree students)) by contacting Direct Consolidation Loans at 1-800-557-7392 or

Free Calculators

EFC – College Board
fafsa4caster (U.S. Department of Education)
College Cost Calculator – College Board
FinAid! Calculators (Cost, Savings, Needs Analysis, Loan Payments, Loan Default, Budgeting calculators etc.)
Direct Loans Calculator– Federal Direct Loan Budget and Repayment Calculators
US Savings Bonds Calculator
Income Based Repayment (IBR) Plan Calculator

Mortgage Rates, calculators, home loans and refinance rates


2015-16 Services Renewal Form
2015-16 Newsletter Page 1, 2, 3, 4
PowerPoint Presentation – Navigating College Financial Aid

Scholarship Data Banks

The scholarship databanks listed below are in no way endorsed by or affiliated with Dr. Herm Davis, C.F.A.C.E.S.. The list does, however, serve as a starting guide to begin your search through the many different scholarships available to students. These services are at no cost. Please read each site’s Terms and Conditions carefully before submitting any personal information.

U.S. Department of EducationMaryland Higher EdPrinceton ReviewPeterson’s-NelnetFastWebAbsolutelyScholarshipsCollegenet Mach25Sources for Students (SFS)World Studio FoundationThe Sallie Mae FundFin Aid!Fastweb Resource SiteNext StudentCollegeDataFrederick Co, MD – The Community Foundation of Frederick CountyMontgomery County Public Schools

Financial Aid Resource Websites

Free Application for Federal Student Aid – FAFSA Form
US Dept of Education – PIN Site
College Board Profile Application
US Department of Education
DC TAG Program
Maryland State Scholarship Board
U.S. Department of Veterans Affairs
Maryland Prepaid College Trust
Maryland Higher Education Commission Academic Common Market
Selective Service
U.S. Federal Reserve Currency Conversion Chart
U.S. Savings Bonds
Turbotax.Intuit – College Tax Tips for Students

Student and Parent Loan Websites

The Federal and Alternative Loan websites are listed below to assist parents and students, as a starting guide as you begin to explore the different lenders available. Additionally, the lenders are in no way endorsed by or affiliated with Dr. Herm Davis or CFACES.

The NSLDS website reference is for students to enter their data and Department of Education PIN, so they may access their history of Federal Student Loans.

National Student Loan Data System (NSLDS)
Simple Tuition (loan comparison site)
Alternative/private Student Loan Evaluator
Suntrust Bank
Sallie Mae

529 Plans

Is there a Prepaid College Savings Plan for You? See a quick comparison of 14 options to see if there’s a plan that suits your needsBy Kim Clark Posted September 23, 2009

Prepaid plans open for new investors Are out of state investors allowed? Is there a state tax deduction for contributions? Kind of guarantee
University of Alaska College Savings Plan ACT Portfolio Yes No; Alaska doesn’t have a state income tax Fund assets
Florida Prepaid College Plans No No; Florida doesn’t have a state income tax State
College Illinois! No Yes Legislative
Independent 529 Plan Yes Yes, in some states Universities
Maryland Prepaid College Trust Only DC Yes, up to $2,500/year Legislative
Massachusetts Uplan Prepaid Tuition Program Yes No State
Michigan Education Trust No Yes Fund assets
Mississippi Prepaid Affordable College Tuition Program No Yes State
Nevada Prepaid Tuition Program Alumni of some Nevada colleges No; Nevada doesn’t have a state income tax Fund assets
Pennsylvania Guaranteed Savings Plan No Yes Fund assets
Tennessee Baccalaureate Education System Trust No No; Tennessee doesn’t have a state income tax Fund assets
Texas Tuition Promise Fund No No; Texas doesn’t have a state income tax Universities
Virginia Prepaid Education Program Soldiers stationed in Virginia Yes, up to $4,000/year Legislative
Washington (state) Guaranteed Education Tuition No No; Washington doesn’t have a state income tax State