Your Student Loan Support Team

We’re Here to Serve You

You borrowed money to invest in your future with training, but you’re concerned about how you’ll repay your loan or have questions about the whole process. Don’t worry. The Student Loan Assistance Group is here to help. We’re Tulsa Welding School’s internal student loan support team.

It’s our mission to prepare you for life beyond the classroom by making sure you have all the tools and resources to successfully repay your student loans or defer them if necessary. Our goal is a financially secure future for each and every TWS student.

We offer full student support with the loan repayment process:

  • Answering questions about student loan repayment and deferment
  • Helping students weigh their repayment options
  • Assisting students in selecting a repayment plan that aligns with their specific circumstances
  • Providing forms to apply for repayment alternatives
  • Conferencing students in with their Federal Loan Servicer for faster assistance

(855) 886-2898

We’re here to help. Call us at 855-886-2898.

You Took Out a Student Loan. What’s Next?

A student loan may be the first of many important investments you’ll need to borrow money for throughout your life:

  • Getting married
  • Buying a home
  • Starting a business

Knowing what to expect next can help you feel confident in your decision. Below are the three main phases of the typical student loan life cycle.

While in Training

Focus on your training while in school. As long as you’re enrolled at least half-time, you don’t have to make any payments.

Student Loan Success Tips

  • If you can afford to, it’s a good idea to make small payments to lower the interest on the loan and prepare yourself financially for larger payments later. This will also give you a chance to get to know your Federal Loan Servicer.

Grace Period

After leaving school, you’ll have six months before you have to start repaying your student loan. During this grace period, you’ll receive a welcome letter from your Federal Loan Servicer and your Repayment Obligation Disclosure Statement. This document will explain your total balance, interest rate, monthly payment and first due date.

Student Loan Success Tips

  • Make sure to update your address, phone number and email with TWS and your Federal Loan Servicer to ensure you receive these documents.
  • Check how your monthly student loan payments fit into your budget.
  • Review your options. Choose the repayment or deferment plan that works best with your budget.


You are now receiving monthly billing statements. The repayment term is typically 120 months/10 years.

Student Loan Success Tips

  • Having trouble making your payments on time? Change your repayment term. You may qualify for lower monthly payments by extending the repayment term. Check with your Federal Loan Servicer.
  • Never Let Your Student Loan Account Become Delinquent. There are serious consequences, but they can be avoided. Call us or your Federal Loan Servicer to work out a payment plan you can afford. Contact our office at 855-886-2898.

Ways to Lower Your Monthly Student Loan Payments

We get it. You’re just starting out in your new career after training and the standard loan repayment plan doesn’t work with your budget. The good news is there are several ways to lower your monthly payments and stay in good standing with your loan.

  • Graduated Repayment
    • Your payments start out low and increase every two years.
    • The repayment period lasts up to ten years.
    • If you think your income will increase steadily over time, this plan could work for you.
  • Extended Repayment
    • The repayment period is extended to up to 25 years.
    • You choose between making the same payment amount every year or gradually increasing payment amounts over time.
  • Income Contingent Repayment (ICR)
    • This plan is only an option for Direct Loans.
    • It’s gives you the flexibility to make student loan payments without suffering financial hardship.
    • Every year, your monthly payment will be calculated based your adjusted gross income, family size and the total amount of Direct Loans. If you’re married, your spouse’s income will be considered, too.
    • The maximum repayment period is 25 years.
    • After 25 years, if you haven’t fully repaid the loans, the unpaid portion will be discharged. This 25-year time frame doesn’t include time spent in deferment or forbearance. You may still have to pay taxes on the amount that is discharged.
  • Income Based Repayment (IBR): Pay as You Go
    • Monthly payments are capped at an affordable amount based on income and family size.
    • You could qualify if the monthly payment for this plan will be less than the monthly amount
      calculated under a 10-year standard repayment plan.
    • If you’re in good standing with your loan and meet other requirements, you could have the
      remaining balance of the loan cancelled after 25 years.

How to Put Your Student Loan Payments on Hold

Deferment/Forbearance Options

A student loan deferment or forbearance allows you to temporarily postpone your monthly payments under certain circumstances, such as:

  • Re-Enrollment in School
  • Economic or Temporary Financial Hardship
  • Unemployment
  • Disability
  • Military Deployment
  • Public Service
  • Natural Disaster

Student Loan Repayment FAQ

Still have questions about student loans? Visit the Federal Student Aid FAQ webpage. Click here.

Student Loan Resources

  • The National Student Loan Data System (NSLDS) allows you to review all of your student loan information in one place. This includes disbursement dates, balances and your assigned Federal Loan Servicer.
  • Repayment Estimator. Check which student loan repayment plans you may be eligible for and get estimates on monthly payment amounts.
  • This Federal Direct Loan repayment plan comparison chart can help you determine which options you’re eligible for and work best with your budget.
  • You Can Deal with It. Find help with student loan management, budget planning tools and cash and credit management tools: Click here.

Department of Education Federal Loan Servicers

Federal Loan Servicer Phone Website
Aspire Resources Inc. 855-475-3335 Click Here
Cornerstone 800-663-1662 Click Here
ESA/EdFinancial 855-337-6884 Click Here
FedLoan Servicing 800-699-2908 Click Here
Granite State –GSMR 888-556-0022 Click Here
Great Lakes Educational Loan Services 800-236-4300 Click Here
MOHELA 888-866-4352 Click Here
Nelnet 888-486-4722 Click Here
OSLA Servicing 866-264-9762 Click Here
Navient 800-722-1300 Click Here
VSAC Federal Loans 888-932-5626 Click Here

We’re Here for You. Get in Touch With Us

The Student Loan Assistance Group is your go-to resource during the repayment process. Whether you have questions or need help filling out forms, we’re here to serve you.

Here’s how you can contact us:

Student Loan Assistance Group Address
120 N 44th St. STE 230
Phoenix AZ 85034

Phone Number and Fax:
TWS: (855) 886-2898
FAX: (855) 888-3875
Email: [email protected]

Additional Sources

Accredited School, ACCSC. TWS-Jacksonville located at 1750 Southside Blvd., Jacksonville, FL 32216 is recognized by ACCSC as a satellite location of TWS-Jacksonville located at 3500 Southside Blvd., Jacksonville, FL 32216. Tulsa Welding School & Technology Center (TWSTC) in Houston and TWS-Jacksonville are branch campuses of Tulsa Welding School, located at 2545 E. 11th St., Tulsa, OK 74104. Tulsa, OK campus is licensed by OBPVS and ASBPCE. Jacksonville, FL campus is licensed by the Florida Commission for Independent Education, License No. 2331. TWSTC and TWS in Tulsa, OK are approved by TWC. TWS in Jacksonville is licensed by the Mississippi Commission on Proprietary School and College Registration, License No. C-668. Licensure indicates only that minimum standards have been met; it is not an endorsement or guarantee of quality. Licensure is not equivalent to or synonymous with accreditation by an accrediting agency recognized by the U.S. Department of Education. TWS in Jacksonville is also regulated by: Indiana Department of Office for Career and Technical Schools, 10 N. Senate Ave, Suite SE 308, Indianapolis, IN 46204; [email protected]; GI Bill® Eligible (check with local campus for specific eligibility). The AOSWT program is an Associate of Occupational Studies degree program and is not an academic degree. The AOSWT program is not approved for the following states: CO, GA, LA, MN, and TX. For more information about our programs, please visit our website at:

GI Bill® is a registered trademark of the U.S. Department of Veterans Affairs (VA). More information about education benefits offered by VA is available at the official U.S. government Web site at

Financial aid and scholarships available to those who qualify. Candidates need to refer to the scholarship information page to determine topic of essay (where applicable) and must meet all regular admissions requirements and be scheduled to start training prior to applying for a scholarship. If a student changes his/her re-enter date, the scholarship award may be forfeited. Scholarships are not transferable and most scholarships cannot be used in conjunction with any other scholarship TWS offers. In most cases, only one award will be given per student. If a student is eligible for multiple scholarships, the scholarship that is most beneficial to the student will be awarded. Scholarships will be distributed incrementally over the entire duration of the program. Scholarship eligibility requires continuous enrollment. Failure to maintain Satisfactory Academic Progress may result in the probation and possible loss of scholarship. Termination from training may also result in the loss of a scholarship, which may increase your tuition obligation to TWS. Tuition charges will be based on the amount reflected on your Enrollment Agreement. See the reverse side of your Enrollment Agreement or the School Catalog for the school’s refund policy.

iEmployment is expected to grow for Welders, Cutters, Solderers & Brazers (514121) in the US by 44,600 jobs, Heating, Air Conditioning, and Refrigeration Mechanics and Installers (499021) in the US by 37,700 jobs, Electricians (472111) in the US by 73,500 jobs, Plumbers, Pipefitters, and Steamfitters (472152) in the US by 42,600 jobs, Electrical Power-Line Installers and Repairers (499051) in the US by 9,700 jobs from 2022 to 2032. - sponsored by the Department of Labor,, reported as of May 2023. Data pulled April 2024. Visit for specific details and data backups.

* According to 2019 IPEDS data TWS has the largest total combined enrollment of students for all post-secondary schools in the U.S. with the designated largest program of CIP Code Welding Technology/Welder.


**** Electrical Lineworker program is a short program and not eligible for Title IV funding due to the definition of an Academic Year.

1 Total number of estimated graduates for TWS calculated based on historic data available as of Jan 1, 2023.

2 Indicates the total number of current partnered employers across all TWS locations as of May 2023.

***, 2 Entry Level Welder Salary: Hourly Rate, Entry Level Hvac Technician Salary: Hourly Rate, Electrician Entry Level Annual Salary.

3 For students who started and completed their training during the 12-month period for which 150% of normal time for completion has elapsed and who attained employment in their field of study as outlined on our annual accreditation report dated July 2022. Refer to the most current Student Right-to-know Information for more details on calculation details

**, 10 AWS Welding Employment Stats: Essential Disclaimer: Welding Employment Stats: According to BLS data Oklahoma employed 9,010, Texas employed 48,380 and Florida employed 14,320, Tulsa employed 3,590, the Houston area employed 15,440, the Dallas area employed 9,910, and Jacksonville employed 1,260 Welders, Cutters, Solderers, and Brazers (514121). HVAC/R Employment Stats: According to BLS data Oklahoma employed 5,370, Texas employed 30,670 and Florida employed 33,560, Tulsa employed 1,680, the Houston area employed 6,610, the Dallas area employed 10,230, and Jacksonville employed 2,320 Heating, Air Conditioning, and Refrigeration Mechanical and Installers (499021). Electrician Employment Stats: According to BLS data Oklahoma employed 7,910, Texas employed 64,360 and Florida employed 42,250, Tulsa employed 2,340, the Houston area employed 18,160, the Dallas area employed 17,600, and Jacksonville employed 3,510 Electricians (472111). Pipefitting Employment Stats: According to BLS data Texas employed 37,980,Florida employed 26930, Houston area employed 9,680 and Jacksonville employed 2,760 Plumbers, Pipefitters and Steamfitters (472152). Lineworker Employment Stats: According to BLS data Texas employed 11,960 and the Dallas area employed 2,300 Electrical Power-Line Installers and Repairers (499051). BLS data is reported through May 2022

12 Graduates initially employed in all 50 states according to our ACCSC Annual Report data for reports dated 7/1/18 – 7/1/2023.

13 Indicates the total number of current partnered employers across all TWS locations as of May 2023.

14 Total number of estimated graduates for TWS calculated based on historic data available as of Jan 1, 2023.

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