Who Is My Student Loan Servicer?

Your student loan servicer manages your loan payments. It provides a customer service representative for your student loans, which you can find by checking your loan statements or logging into your Federal Student Aid account.

You’ve got this student loan hanging over your head like a storm cloud, but you have no idea who’s holding the umbrella. Don’t worry—you’re not alone in this wild ride. Figuring out who your student loan servicer is can feel like trying to track down that one friend who’s always “five minutes away” but never shows up. Lucky for you, we’ve got the directions to help you find your student loan servicer—no map required.

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PRO TIP! Refinancing your student loans could help you break free of debt and help your financial future.

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What is a student loan servicer? 

Think of a student loan servicer as your loan’s assistant. They don’t hand you the money, but they handle all the dirty work afterward—like making sure your bill arrives on time, processing your payments and guiding you through repayment options. Whether you’re making a standard payment, considering deferment or exploring forgiveness options, your servicer pulls the strings behind the curtain. Essentially, they’re your go-to for anything related to your student loan after it’s been disbursed.

How do I find my student loan servicer?

You’ve got your loan, but where do you find the person—or, more accurately, the company—managing it? Here’s how you can track them down:

Check your most recent loan statement or bill

The easiest place to start is by grabbing your most recent loan statement. Whether a paper bill is in your mailbox or an email notification, your servicer’s name and contact information should be front and center. Don’t forget to scan any loan documents you’ve saved or previous emails that might have the information.

Log in to your Federal Student Aid account

The Federal Student Aid (FSA) website is your one-stop shop if you’ve got federal student loans. Head over to studentaid.gov and log in with your FSA ID. Once you’re in, you can find a full breakdown of your loans, including who’s servicing each.

Call the Federal Student Aid Information Center 

Prefer to get things done over the phone? You can call the Federal Student Aid Information Center at 1-800-433-3243. They’ll help you figure out who’s managing your loans and provide any other details you need.

Check the National Student Loan Data System (NSLDS)

The National Student Loan Data System (NSLDS) is the government’s master list of all your federal student loans. You can visit nslds.ed.gov to access this treasure trove of information. Just log in, and you’ll see all your loan details, including your servicer.

Check your credit report

Your credit report isn’t just for tracking your credit score—it also has information on your student loans, including the name of your servicer. You can snag a free credit report from sites like AnnualCreditReport.com. If your student loans are on there, so is your servicer.

Contact your school’s financial aid office

Still hitting a wall? Your school’s financial aid office might be able to help. They keep records of your loans and can usually tell you who your servicer is, especially if you’re still in school or recently graduated.

How do I find my federal student loan servicer?

You can use the methods below to find your federal student loan servicer. Keep in mind that the federal government works with only a handful of companies, so your servicer is likely one of these:

Servicer	Phone Number	Website
Edfinancial	1-855-337-6884	https://edfinancial.studentaid.gov/home
MOHELA	1-888-866-4352	https://www.mohela.com/
Aidvantage	1-866-264-9762	https://aidvantage.studentaid.gov/
Nelnet	1-888-486-4722	https://nelnet.studentaid.gov/welcome
OSLA Servicing	1-800-456-6752	https://public.osla.org/
ECSI	1-888-549-3274	https://efpls.ed.gov/
Default Resolution Group	1-800-621-3115	https://myeddebt.ed.gov/borrower/#/contactus

What if my loan is not owned by the Department of Education?

Things might get a little trickier if the U.S. Department of Education doesn’t own your loan. While most federal loans—including Direct Loans—are managed by the Department of Education, there are exceptions. Private lenders or your school might hold loans through the Federal Family Education Loan (FFEL) Program, Health Education Assistance Loan (HEAL) Program, and Federal Perkins Loans.

To track these down, you can use all the methods listed above. Start with your credit report or contact your school’s financial aid office—they might have the necessary information.

How do I find my federal student loan servicer?

If you’re trying to track down your federal student loan servicer, you can use any of these methods:

1. Check your loan statement or bill: Your servicer’s information will be listed right on the statement.
2. Log in to your Federal Student Aid Account. Then, Go to studentaid.gov to view all your loan details, including your servicer.
3. Call the Federal Student Aid Information Center: Dial 1-800-433-3243 for direct assistance.
4. Check the National Student Loan Data System (NSLDS): Visit nslds.ed.gov to see all your federal loans and servicers.
5. Review your credit report: Your servicer’s info will be listed under your student loan accounts.
6. Contact your school’s financial aid office: They might have the details on record, especially for recent graduates.

These steps should help you quickly identify your federal student loan servicer.

Switching your federal student loan servicer

So, your current servicer isn’t cutting it—maybe they’ve been as reliable as a vending machine that eats your quarters. Good news: recent regulations have made switching federal student loan servicers easier. Here’s how you can do it:

1. Contact the federal student aid office and request a servicer change: Make sure to have a valid reason—poor customer service, issues with your account, or anything else that’s made your experience less than stellar.
2. Wait for approval: Once you’ve submitted your request, you’ll need approval. This can take a few weeks, so keep paying your current servicer until everything is finalized.
3. Set up your account with the new servicer: After approval, you’ll be assigned a new servicer. Set up your account with them and make sure your payment information is up to date.

Remember that this process isn’t instantaneous, and you should continue paying your current servicer until the switch is complete.

Switching your private student loan servicer

Switching your private student loan servicer is a whole different ballgame. Unlike federal loans, you can’t just request a switch—you’ll need to refinance your loan with a new lender. Here’s what that looks like:

1. Shop for refinancing offers: Look for lenders offering better interest rates or terms. Compare your options to find the best deal.
2. Choose the best offer: Once you’ve found the right lender, apply for a new loan. If approved, the lender will pay off your old loan.
3. Payments to the new lender: After refinancing, your old loan is history, and you’ll start paying the new lender’s servicer.

Heads up—refinancing can have pros and cons, so make sure you understand the terms before switching.

Final tip on student loan servicers

Navigating the world of student loans can feel like trying to read a map with no street names, but finding your servicer doesn’t have to be one of the challenges. Whether you’re dealing with a federal loan or a private one, knowing who’s managing your debt is crucial. 

Armed with the tips above, you can track down your servicer and, if needed, change to one that better suits your needs. It might not be the most thrilling task on your to-do list, but it’s one step closer to getting those loans off your back for good.

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