<prompt> Human: I am graduating this summer and I have taken out a lot of different loans and quite honestly, I have no idea how much Ive taken out and I dont think I get all the emails. Is there some sort of resource that will tell me how much and to whom I owe? Really, what I am trying to avoid is late fees or missed payments or loans creeping up on me without my knowing they existed.  <response>: Annualcreditreport.com to pull your report from all three major bureaus for free. 