Complete Guide To Federal Student Loan Servicers

By Mentor Staff | Edited By Mentor Staff

Updated On September 12, 2022

Editorial Note: This content is based solely on the author's opinions and is not provided, approved, endorsed or reviewed by any financial institution or partner.

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Your federal student loan servicer is a third-party company that manages your student loans, answers questions, and collects student loan payments on behalf of the U.S. Department of Education. When you borrow a federal student loan, the U.S. Department of Education automatically assigns you a student loan servicer. Your student loan servicer is different than your lender because student loan servicers don’t lend money. Rather, student loan servicers act as customer service for your student loans.

However, figuring out who’s your student loan servicer or how to contact your student loan servicer can be a frustrating task. This guide will teach you everything you need to know about federal student loan servicers.

In this complete guide to student loan servicers, we will discuss:

Top Picks For Student Loan Refinancing

October 2022

Variable APR ?APR, or Annual Percentage Rate, is the price you pay to borrow money. Variable APR means that your interest rate can fluctuate over time, which can increase or decrease your monthly student loan payment. Typically, a variable-rate loan has a lower introductory rate than a fixed-loan rate loan. Variable APR includes a 0.25% discount when you enroll in autopay.
Fixed APR ?APR, or Annual Percentage Rate, is the price you pay to borrow money. Fixed APR means that your interest rate will always stay the same. Even if interest rates change, your interest rate or monthly payment will not. Fixed APR includes a 0.25% discount when you enroll in autopay.
APR
3.40% - 8.40%
3.99% - 8.24%
3.40% - 8.40%

View Details

on SoFi's website

Overview

Variable APR:
3.40% - 8.40%
Fixed APR:
3.99% - 8.24%
Minimum Credit Score:
650
Minimum Income:
None
Fees:
None
Minimum Loan Amount:
$5,000 ($10,000 in CA)

Details

Eligible Loans:
Private & Federal
Eligible Degrees:
Undergraduate & Graduate
Loan Terms:
5, 7, 10, 15, 20 years
Borrower Residency:
All states
Hardship Deferment:
Yes
Co-signer Option:
Yes
2.49% - 7.99%
3.74% - 8.49%
2.49% - 8.49%

View Details

on Earnest's website

Overview

Variable APR:
2.49% - 7.99%
Fixed APR:
3.74% - 8.49%
Minimum Credit Score:
650
Minimum Income:
None
Fees:
None
Minimum Loan Amount:
$5,000

Details

Eligible Loans:
Private & Federal
Eligible Degrees:
Undergraduate & Graduate
Loan Terms:
5-20 years
Borrower Residency:
All States except NV
Hardship Deferment:
Yes
Co-signer Option:
No
2.49% - 7.99%
3.74% - 8.49%
2.49% - 8.49%

View Details

on NaviRefi's website

Overview

Variable APR:
2.49% - 7.99%
Fixed APR:
3.74% - 8.49%
Minimum Credit Score:
650
Minimum Income:
None
Fees:
None
Minimum Loan Amount:
$5,001 ($10,001 in CA)

Details

Eligible Loans:
Private & Federal
Eligible Degrees:
Undergraduate & Graduate
Loan Terms:
5-20 years
Borrower Residency:
All States except NV
Hardship Deferment:
Yes
Co-signer Option:
No
2.48% - 7.24%
4.29% - 7.29%
2.48% - 7.29%

View Details

on ELFI's website

Overview

Variable APR:
2.48% - 7.24%
Fixed APR:
4.29% - 7.29%
Minimum Credit Score:
680
Minimum Income:
$35,000
Fees:
None
Minimum Loan Amount:
$10,000

Details

Eligible Loans:
Private & Federal
Eligible Degrees:
Undergraduate & Graduate
Loan Terms:
5, 7, 10, 15, 20 years
Borrower Residency:
All States
Hardship Deferment:
Yes
Co-signer Option:
Yes
2.49% - 11.72%
2.59% - 8.74%
2.49% - 11.72%

View Details

on Splash's website

Overview

Variable APR:
2.49% - 11.72%
Fixed APR:
2.59% - 8.74%
Minimum Credit Score:
640
Minimum Income:
None
Fees:
None
Minimum Loan Amount:
$5,000

Details

Eligible Loans:
Private & Federal
Eligible Degrees:
Undergraduate & Graduate
Loan Terms:
5 – 25 years
Borrower Residency:
All states
Hardship Deferment:
Varies
Co-signer Option:
No
3.84% - 10.07%
4.49% - 10.11%
3.84% - 10.11%

View Details

on Citizens' website

Overview

Variable APR:
3.84% - 10.07%
Fixed APR:
4.49% - 10.11%
Minimum Credit Score:
Not disclosed
Minimum Income:
$24,000
Fees:
No prepayment or origination fees
Minimum Loan Amount:
$10,000

Details

Eligible Loans:
Private & Federal
Eligible Degrees:
Undergraduate & Graduate
Loan Terms:
5, 7, 10, 15, 20 years
Borrower Residency:
All states
Hardship Deferment:
Yes
Co-signer Option:
Yes
2.50% - 6.30%
3.99% - 6.40%
2.50% - 6.40%

View Details

on Laurel Road's website

Overview

Variable APR:
2.50% - 6.30%
Fixed APR:
3.99% - 6.40%
Minimum Credit Score:
660
Minimum Income:
None
Fees:
None
Minimum Loan Amount:
$5,000

Details

Eligible Loans:
Private & Federal
Eligible Degrees:
Undergraduate & Graduate
Loan Terms:
5, 7, 10, 15, 20 years
Borrower Residency:
All States
Hardship Deferment:
Yes
Co-signer Option:
Yes
4.13% - 7.39%
2.99% - 9.93%
2.99% - 9.93%

View Details

on LendKey's website

Overview

Variable APR:
4.13% - 7.39%
Fixed APR:
2.99% - 9.93%
Minimum Credit Score:
680
Minimum Income:
$24,000
Fees:
None
Minimum Loan Amount:
$5,000

Details

Eligible Loans:
Private & Federal
Eligible Degrees:
Undergraduate & Graduate
Loan Terms:
5, 7, 10, 15, 20 years
Borrower Residency:
All states, except ME, ND, NV, RI, WV
Hardship Deferment:
Yes
Co-signer Option:
Yes
-
3.94% - 9.08%
3.94% - 9.08%

View Details

on ISL's website

Overview

Variable APR:
-
Fixed APR:
3.94% - 9.08%
Minimum Credit Score:
670
Minimum Income:
None
Fees:
None
Minimum Loan Amount:
$5,000 ($10,000 in CA)

Details

Eligible Loans:
Private & Federal
Eligible Degrees:
Undergraduate & Graduate
Loan Terms:
5, 7, 10, 15, 20 years
Borrower Residency:
All states, except OR and ME
Hardship Deferment:
Yes
Co-signer Option:
Yes

Complete list of current federal student loan servicers

The U.S. Department of Education works with several student loan servicers to manage your federal student loans. Student loan servicers help manage your student loan debt, collect student loan payments and answers questions about student loans. Your federal student loan servicer also can provide information about income-driven repayment plans and options for student loan forgiveness, including the Public Service Loan Forgiveness program.

Federal student loan servicers manage all types of federal student loans, including Direct Loans, subsidized student loans, unsubsidized student loans, Parent PLUS Loans and Grad PLUS Loans, for example.

Here is a complete list of current federal student loan servicers:

How to contact your student loan servicer

Here is how to contact your federal student loan servicer:

Aidvantage

Aidvantage Phone Number: 1-800-722-1300

Aidvantage Hours of Operation: Monday – Thursday from 8:00 a.m. to 9 p.m. eastern and Friday from 8:00 a.m. to 8:00 p.m. eastern

Aidvantage Website: Aidvantage.com

Aidvantage Email: You can email Aidvantage through the Email Us feature in the Help Center on the Aidvantage website.

Aidvantage Fax Number: 1-866-266-0178

Aidvantage Customer Login: https://www.Aidvantage.com/

Where to Send Payments:

Student Loan Payments:

Aidvantage – U.S. Department of Education Loan Servicing

P.O. Box 4450

Portland, OR 97208-4450

General Correspondence:

Aidvantage – U.S. Department of Education Loan Servicing

P.O. Box 9635

Wilkes-Barre, PA 18773-9635

Learn more about Aidvantage student loan forgiveness.

Default Resolution Group

Default Resolution Group Phone Number: 1-800-621-3115

Default Resolution Group Hours of Operation: Monday – Friday from 8:00 a.m. to 9:00 p.m. eastern

Default Resolution Group Website: Default Resolution Group

Default Resolution Group Email: You can email Default Resolution Group directly through the Default Resolution Group website.

Default Resolution Group Customer Login: You can access your Default Resolution Group login directly on the Default Resolution Group website.

Where to Send Payments To Default Resolution Group:

Student Loan Payments:

U.S. Department of Education

National Payment Center

PO Box 790336

St. Louis, MO 63179-0336

General Correspondence:

U.S. Department of Education

PO Box 5609

Greenville, TX 75403-5609

ECSI

ECSI Phone Number: (888) 549-3274

ECSI Phone Number – Refund Disbursements for Financial Aid: (844) 760-6052

ECSI Phone Number – Tax Documents: (866) 428-1098

ECSI Phone Number – Unpaid Tuition & Fees: (844) 454-6100

ECSI Hours of Operation: Monday – Friday from 7:30 a.m. to 9:00 p.m. eastern

ECSI Live Chat: Monday – Friday from 7:30 a.m. to 8:00 p.m. eastern and Saturday from 8:30 a.m. to 5:00 p.m. eastern

ECSI Website: ECSI

ECSI Email: You can email ECSI directly through the ECSI website. For borrower issues, you can email webcservice@ecsi.net. For web or related issues, you can email webmaster@ecsi.net.

ECSI Customer Login: You can access your ECSI login directly on the ECSI website.

Where to Send Payments To ECSI:

Student Loan Payments:

Your School Name

c/o Heartland ECSI

PO Box 718

Wexford, PA 15090

General Correspondence:

100 Global View Drive

Suite 800

Warrendale, PA 15086

Edfinancial

Edfinancial Services Phone Number: 1-855-337-6884 (Direct Loans); 1-800-337-6884 (FFELP and Private Loans); Toll Free: 1-800-337-6884 (Military Servicemembers)

Edfinancial Services Hours of Operation: Monday – Friday from 8:00 a.m. to 11:00 p.m. eastern and Saturday from 10:00 a.m. to 2:00 p.m. eastern

Edfinancial Services Website: edfinancial.com

Edfinancial Services Email: You can email Edfinancial Services through the Email Us feature in the Contact Us on the Edfinancial Services website.

Edfinancial Services Fax Number: 1-800-887-6130

Edfinancial Services Chat: edfinancial.com

Edfinancial Services Customer Login: https://www.edfinancial.com/

Where to Send Payments To Edfinancial Services:

Student Loan Payments – Direct Loans:

Edfinancial Services

P.O. Box 36008

Knoxville, TN 37930-6008

Student Loan Payments – FFELP and Private Loans:

Edfinancial Services

P.O. Box 36014

Knoxville, TN 37930-6014

FedLoan Servicing

FedLoan Servicing Phone Number: 1-800-699-2908

FedLoan Servicing Hours of Operation: Monday – Friday from 8:00 a.m. to 9:00 p.m. eastern

FedLoan Servicing Website: MyFedLoan.org

FedLoan Servicing Email: You can email FedLoan Servicing directly through the FedLoan Servicing website.

FedLoan Servicing Fax Number: 717-720-1628

FedLoan Servicing Customer Login: You can access your FedLoan Servicing login directly on the FedLoan Servicing website.

FedLoan Servicing Upload Documents: You can upload documents to your FedLoan Servicing online account.

Where to Send Payments To FedLoan Servicing:

Student Loan Payments:

Department of Education

FedLoan Servicing

P.O. Box 790234

St. Louis, MO 63179-0234

Direct Debit Applications:

FedLoan Servicing

P.O. Box 3661

Harrisburg, PA 17105-3661

Send letters and correspondence to:

FedLoan Servicing

P.O. Box 69184

Harrisburg, PA 17106-9184

Send credit disputes to:

FedLoan Servicing Credit

P.O. Box 60610

Harrisburg, PA 17106-0610

Send student loan consolidation related letters and correspondence to:

FedLoan Consolidation Department

P.O. Box 69186

Harrisburg, PA 17106-9186

Great Lakes

Great Lakes Phone Number: 1-800-236-4300

Great Lakes Hours of Operation: Monday – Friday from 7:00 a.m. to 9 p.m. Central

Great Lakes Website: mygreatlakes.org

Great Lakes Email: Email Great Lakes at borrowerservices@glhec.org

Send an email through the Great Lakes website.

Great Lakes Social Media: Great Lakes Facebook and Great Lakes Twitter

Great Lakes Fax Number: 1-800-375-5288

Great Lakes Customer Login: https://mygreatlakes.org/educate/login.html

Great Lakes Mailing Address For Student Loans From U.S. Department of Education:

Great Lakes
P.O. Box 530229
Atlanta, GA 30353-0229

Great Lakes Mailing Address For FFELP Student Loans:

Great Lakes
P.O. Box 3059
Milwaukee, WI 53201-3059

Great Lakes Mailing Address For General Correspondence:

Great Lakes
P.O. Box 7860
Madison, WI 53707-7860

MOHELA

MOHELA Phone Number: 1-888-866-4352

MOHELA Hours of Operation: Monday – Thursday 7 am – 9 pm CT and Friday 7 am – 5 pm CT

MOHELA Login: You can login to MOHELA with this link at MOHELA.com.

MOHELA Email: Log in and access the “Email Us” feature in the Help Center

MOHELA Social Media: MOHELA FacebookMOHELA LinkedIn and MOHELA Twitter

MOHELA Fax Number: 1-866-222-7060

MOHELA Website: MOHELA.com 

MOHELA Mailing Address For Loan Payments: Payment address may vary based on your account. Login to your MOHELA account or call MOHELA for your student loan payment address.

MOHELA Mailing Address For General Correspondence:

MOHELA
633 Spirit Drive
Chesterfield, MO 63005-1243

Here’s how to get MOHELA student loan forgiveness.

Nelnet

Nelnet Phone Number: 1-888-486-4722

Nelnet Hours of Operation: Monday – Friday from 8:00 a.m. to 10 p.m. Eastern

Nelnet Website: Nelnet.com

Nelnet Email: Help@Nelnet.net or send an email with this Nelnet online email form

Nelnet Social Media: Nelnet Facebook and Nelnet Twitter

Nelnet Fax Number: 1-877-402-5816

Nelnet Customer Login: https://www.nelnet.com/account/login

Nelnet Upload Documents: You can upload documents to your Nelnet online account.

Where to Send Payments To Nelnet: You should send your payment to Nelnet based on your account number.You can find your account number on your account statement. Account numbers are preceded by “E,”“D,” or “J”:

Payments for accounts beginning with “E” to:

U.S. Department of Education
P.O. Box 2837
Portland, OR 97208-2837

Payments for accounts beginning with “D” to:

Nelnet
P.O. Box 2970
Omaha, NE 68103-2970

Payments for accounts beginning with “J” to:

Nelnet
P.O. Box 2877
Omaha, NE 68103-2877

Documents related to deferment, forbearance, repayment plans, or enrollment status changes:

Nelnet
Attn: Enrollment Processing
P.O. Box 82565
Lincoln, NE 68501-2565

Documents related to loan discharge or forgiveness claims:

Nelnet
Attn: Claims
P.O. Box: 82505
Lincoln, NE 68501-2505

Documents related to bankruptcy claims:

Nelnet
Attn: Claims
P.O. Box: 82505
Lincoln, NE 68501-2505

Nelnet Mailing Address For General Correspondence:

Nelnet
P.O. Box 82561
Lincoln, NE 68501-2561
Fax: 877.402.5816

California Residents:
P.O. Box 82578
Lincoln, NE 68501-2578
WrittenRequest@nelnet.net

OSLA

OSLA Phone Number: 1-866-264-9762

OSLA Hours of Operation: Monday – Friday 8 am – 5 pm CT

OSLA Email: DLcustserv@osla.org

OSLA Social MediaOSLA Facebook

OSLA Fax Number: 1-855-813-2224

OSLA WebsiteOsla.org

OSLA Customer LoginOsla.org

OSLA Mailing Address For Loan Payments:

U.S. Department of Education — OSLA
P.O. Box 4278
Portland, OR 97208-4278

OSLA Mailing Address For General Correspondence:

Oklahoma Student Loan Authority
P.O. Box 18475
Oklahoma City, OK 73154-0475

Find out who’s your federal student loan servicer

If you have federal student loans, the process to find out who’s your student loan servicer is relatively easy. If you’re unsure who’s your student loan servicer, you’re not alone.

Here are two easy options to figure out your student loan servicer:

  1. Option 1: Log in to Federal Student Aid (FSA) with your FSA ID. Scroll to the “My Loan Servicers” section.
  2. Option 2: Call the Federal Student Aid Information Center (FSAIC) at 1-800-433-3243.

Once you identify your student loan servicer, you can contact your student loan servicer directly. If you don’t have an account, set up an account online. You can create a login and password directly through your student loan servicer’s website. You’ll want to provide your updated contact information and enroll in autopay, which will deduct your monthly student loan payment directly from your bank account. Most lenders offer a 0.25% interest rate discount on your student loans when you enroll in autopay.

If your student loans get transferred

After you borrow a student loan and your student loan disburses, the U.S. Department of Education will assign you a student loan servicer. Typically, you can’t change your student loan servicer unless you refinance student loans.

During the course of your student loan repayment, however, it’s possible that the U.S. Department of Education could transfer your federal student loans to new student loan servicer. Your federal student loans could get transferred to a new student loan servicer for several reasons. For example, if you enroll in public service loan forgiveness, you could get assigned a new student loan servicer that focuses exclusively on servicing student loans for the Public Service Loan Forgiveness program. Alternatively, the U.S. Department of Education may change student loan servicers over time, which means your student loans could get reassigned to a new servicer.

There’s no guarantee that your student loans will be transferred. However, many student loan borrowers get a student loan servicer several times when they repay student loans.

Here are important things to know when your student loans get transferred:

  • Your student loan interest rate won’t change
  • Your student loan terms won’t change
  • You will be notified in writing if your student loan servicer changes
  • You should update your contact information with your new student loan servicer
  • You will make monthly student loan payments to your new servicer

When to contact your student loan servicer

Keeping in regular contact with your student loan servicer can be a smart strategy to manage student loan repayment. You should contact your student loan servicer as often as you need to, and especially when you:

How to file a complaint against your student loan servicer

If you want to file a complaint against your student loan servicer, you have several options. First, you can contact your student loan servicer by phone, email, fax or by mail. Second, many student loan servicers have a student loan ombudsman who handles complaints from student loan borrowers. Contact the student loan ombudsman at your student loan servicer.

You can also file a complaint against your student loan servicers through several independent offices within the state or federal government, including:

You should maintain written communication with your student loan servicer, including your student loan statements, records of communication with customer service, and all other correspondence.

You may also contact the U.S. Department of Education Ombudsman:

Phone: 1- 877-557-2575

Mailing Address:

U.S. Department of Education

Federal Student Aid Ombudsman Group

P.O. Box 1843

Monticello, KY 42633

The Federal Student Aid (FSA) Ombudsman Information Checklist is helpful to complete before contacting the Federal Student Aid Ombudsman.

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