How to Find Your Student Loan Servicer

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A student loan servicer is a company or organization that manages your repayment, collecting and processing student loan payments or helping you enroll in the right plan. As a federal student loan borrower, you don’t get to choose your loan servicer. Instead, the U.S. Department of Education (ED) assigns one to you.

If you’ve just graduated and have yet to make loan payments, you may not know what company manages them. Or, while your loans were in deferment or forbearance, you may have forgotten.

You can find your federal student loan servicer by logging into StudentAid.gov. For private loans, you’ll have to review your statements or credit reports.

• How do I find my federal loan servicer?
• What if I have private loans?
• Frequently asked questions

How do I find my federal student loan servicer?

You can find your federal student loan servicer by logging into your dashboard on StudentAid.gov. Once you log in, scroll down to the “My Loan Servicers” section.

After logging in, you’ll see other important information, like your loan status, loan amount, and disbursement date.

Another way to find your federal loan servicer is to contact the Federal Student Aid Information Center (FSAIC) at 1-800-433-3243

Depending on your servicer, you may be able to manage your repayment via the Federal Student Aid website or via your service’s separate site. Either way, it’s critical to gain access so you can take steps like changing your repayment plan, make payments, or request forbearance or deferment. Plus, some servicers will give you a discount of 0.25 percentage points for enrolling in autopay.

Check Out: How to Prepare to Pay Back Your Student Loans

What does a federal student loan servicer do?

A federal student loan servicer helps you with many student loan-related tasks. Here’s what they can do:

• Keep track of payments: Once you start paying on your federal student loan, your servicer will keep track of each payment. If you deferred in-school repayment, expect to make your first loan payment six months after you graduate (or when your “grace period” expires).
• Change repayment plans: All federal loan borrowers start off on the standard 10-year repayment plan, which separates your debt into 120 payments. However, if you find the monthly payment is too high, your servicer can help you apply for an income-driven repayment plan.
• Request forbearance or deferment: If you experience any financial hardship, you can request a forbearance or deferment on your loans, which postpones your monthly payments temporarily.

• Loan consolidation: For most borrowers, it’s better to consolidate your federal loans rather than refinancing them, as you can lose federal benefits by transitioning your education debt to a private lender. Your federal loan servicer can help you consolidate your federal loans into a Direct Consolidation Loan. Keep in mind that you can’t consolidate private student loans with the federal government.
• Loan forgiveness: Depending on your situation, you might qualify for student loan forgiveness programs, such as Public Service Loan Forgiveness or Teacher Loan Forgiveness.

Private student loan lenders also keep track of your payments and some offer forbearance or deferment as well as refinancing. However, they do not offer the same repayment plans as a federal servicer. Speak with your lender on what services they offer as it can vary.

Keep Reading: Private Student Loan Forgiveness Alternatives

How do I contact my federal student loan servicer?

After you’ve found your servicer, you can contact them by phone. Below is a table of the seven companies that currently service federal student loans — including their phone numbers:

What happened to my servicer?

Some servicers ended their contracts with the Department of Education and there are more to come. Here’s what you need to know:

Servicers no longer contracted:

• FedLoan Servicing’s contract ended with Federal Student Aid on Dec. 14, 2022. The Department of Education transferred the loans it managed to MOHELA.
• Granite State’s (GSMR) contract ended after December 2021 with their loans transferring to Edfinancial.
• Navient ended their contract after December 2021 and their loans transferred to Aidvantage, a servicing arm of Maximus.

Servicers in the process of transferring:

• Great Lakes Educational Loan Services Inc began transferring their loans to Nelnet in March 2022.

Servicers with expiring contracts:

• Nelnet, Edfinancial, MOHELA, and Aidvantage contracts expire in December 2023.

What if my student loan servicer changes?

If your student loan servicer changes, you should receive an email or letter from your new loan servicer that includes its name and contact information.

Once the Department of Education completes your student loan servicer transfer, you should receive instructions from your new servicer on accessing your new online account and making payments. Your student loan terms will remain the same.

What if I have private student loans?

If you also have private student loans, you can find your servicer by reviewing your monthly statements or credit reports.

Like with federal loan servicing transfers, sometimes, private student loans can change hands. It’s important to maintain communication with your lender and loan servicer in case your education debt is sold to another company or migrates to a new servicer.

If you need another private student loan, the companies in the table below are Credible’s approved partner lenders. Whether you’re the borrower or cosigner, Credible makes it easy to compare rates from multiple private student loan providers without affecting your credit score.

Lender	Fixed Rates From (APR)	Variable Rates From (APR)
Credible Rating Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology. View details	3.69%+10	5.5%+10
Fixed APR: 3.69%+10 Variable APR: 5.5%+10 Min. credit score: Does not disclose Loan amount: $2,001* to $400,000 Loan terms (years): 5, 7, 10, 12, 15, 20 Repayment options: Full deferral, fixed/flat repayment, interest only, academic deferment, military deferment, forbearance, loans discharged upon death or disability Fees: None Discounts: 0.25% to 1.00% automatic payment discount, 1% cash back graduation reward Eligibility: Must be a U.S. citizen or permanent resident or DACA student enrolled at least half-time in a degree-seeking program Customer service: Email, phone Prequalified rates with a soft credit check: Yes Cosigner release: After 12 on-time principal and interest payments Loan servicer: Launch Servicing, LLC
Credible Rating Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology. View details	3.99%+1	5.34%+
Fixed APR: 3.99%+1 Variable APR: 5.34%+ Min. credit score: 720 Loan amount: $1,000 to $350,000 Loan terms (years): 5, 10, 15 Loan types: Any private or federal student loan Repayment options: Full deferral, full monthly payment, interest only, immediate repayment, academic deferment, military deferment, forbearance, loans discharged upon death or disability Fees: Late fee Discounts: Autopay, loyalty Eligibility: Available in all 50 states (international students can apply with a creditworthy U.S. citizen or permanent resident cosigner) Customer service: Email, phone, chat Soft credit check: Yes Cosigner release: After 36 months Loan servicer: Firstmark Services
Credible Rating Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology. View details	3.47%+2,3	4.99%+2,3
Fixed APR: 3.47%+2,3 Variable APR: 4.99%+2,3 Min. credit score: Does not disclose Loan amount: $1,000 up to cost of attendance Loan terms (years): 5, 8, 10, 15, 20 Repayment options: Full deferral, full monthly payment, fixed/flat repayment, interest only, immediate repayment, academic deferment, forbearance, loans discharged upon death or disability Fees: Late fee Discounts: Autopay Eligibility: Must be a U.S. citizen or permanent resident and be making satisfactory academic progress. Customer service: Email, phone Prequalified rates with a soft credit check: Yes Cosigner release: After half of the scheduled repayment term has been completed Loan servicer: College Ave Servicing LLC Learn more about cosigner release requirements. Requesting prequalified rates on Credible is free and doesn't affect your credit score. However, applying for or closing a loan will involve a hard credit pull that impacts your credit score and closing a loan will result in costs to you.
Credible Rating Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology. View details	4.24%+	4.81%+
Fixed APR: 4.24%+ 11 Variable APR: 4.81%+ 11 Loan amount: $1,000 to $99,999 annually ($180,000 aggregate limit)11 Loan terms (years): 7, 10, 1511 Repayment options: Full deferral, immediate repayment, interest-only repayment, flat/full repayment, academic deferment, military deferment, forbearance, loans discharged upon death or disability Fees: None Discounts: Autopay11 Eligibility: Available to borrowers in all 50 states. Must be a U.S. citizen or permanent resident. Customer service: Phone, email Prequalified rates with a soft credit check: Yes Cosigner release: After 36 months11 Loan servicer: American Education Services Min. income: $1
Credible Rating Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology. View details	4.8%+8	7.77%+8
Fixed APR: 4.8%+8 Variable APR: 7.77%+8 Min. credit score: 670 Loan amount: $1,001 up to cost of attendance Loan terms (years): 5, 10, 15 Repayment options: Full deferral, full monthly payment, interest only, immediate repayment, academic deferment, forbearance Fees: Late fee Discounts: Autopay, reward for on-time graduation Eligibility: Must be an Indiana resident or a U.S. citizen attending an eligible Indiana school Customer service: Email, phone, chat Prequalified rates with a soft credit check: Yes Cosigner release: After 12 months Loan servicer: American Education Services
Credible Rating Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology. View details	5.75%+	N/A
Fixed APR: 5.75%+ Variable APR: N/A Min. credit score: 670 Loan amount: $1,500 up to cost of attendance less aid Loan terms (years): 10, 15 Repayment options: Full deferral, interest only, immediate repayment, academic deferral, forbearance Fees: None Discounts: None Eligibility: Must be a U.S. citizen or permanent resident and be making satisfactory academic progress. Customer service: Email, phone Prequalified rates with a soft credit check: Yes Cosigner release: After 48 months Loan servicer: American Education Services (AES)
Credible Rating Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology. View details	3.490%9 - 15.49%9	4.92%9 - 15.080%9
Fixed APR: 3.490%9 - 15.49%9 Variable APR: 4.92%9 - 15.080%9 Min. credit score: Does not disclose Loan amount: $1,000 up to 100% of school-certified cost of attendance Loan terms (years): 10 to 209 Repayment options: Full deferral, fixed/flat repayment, interest only, academic deferment, forbearance, loans discharged upon death or disability Fees: Late fee, non-sufficient funds (NSF) fee Discounts: Autopay Eligibility: Must be a U.S. citizen or permanent resident. Also available to non-U.S. citizen students (including DACA students) attending a school located in the U.S. who apply with a qualifying cosigner. Customer service: Phone, chat Prequalified rates with a soft credit check: Yes Cosigner release: Borrowers can apply after graduation, 12 consecutive on-time principal and interest payments, and meeting certain credit requirements. Loan servicer: Sallie Mae
Compare Prequalified Private Student Loan rates. Compare Private Loans Now Trustpilot
Lowest APRs reflect autopay, loyalty, and interest-only repayment discounts where available. Prequalified rates are not an offer of credit. | 10Ascent Disclosures | 1Citizens Bank Disclosures | 2,3College Ave Disclosures | 11Custom Choice Disclosures |  7EDvestinU Disclosures | 8INvestEd Disclosures | 9Sallie Mae Disclosures

Student loan servicer FAQs

Below are some answers to some commonly asked questions about student loan servicers.

What if my federal loans aren’t owned by the Department of Education?

If your loans are a part of the Federal Family Education Loan (FFEL) Program, you can find out who your loan servicer is by logging into your StudentAid.gov account. After you log in, you can view your loan servicer’s information in the “My Loan Servicers” section.

For Federal Perkins Loans, you should contact your school where you took out the loan for details.

Can I change my student loan servicer?

You can change your federal student loan servicer by consolidating your loans through the Direct Consolidation Loan program. Otherwise, you can only change federal student loan servicers if you file a complaint with the U.S. Department of Education and provide proof of your claim.

Another way to change your student loan servicer is to refinance your student loans. But note that refinancing your federal student loans means you’ll lose access to federal protections, like government-specific forbearance and income-driven repayment plans.

About the author

Jerry Brown

Jerry Brown is a personal finance writer, owner of the Peerless Money Mentor blog, and a contributor to Credible. He has written for major publications such as Forbes Advisor, Business Insider, and Rocket Mortgage.

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