FedLoan Servicing Customer Service: Overview And How To Contact

By Mentor Staff | Edited By Mentor Staff

Updated On September 10, 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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FedLoan Servicing is a student loan servicer based in Harrisburg, Pennsylvania that is part of the Pennsylvania Higher Education Assistance Agency (PHEAA). With more than 50 years of financial aid experience, PHEAA operates as FedLoan Servicing and American Education Services (AES). FedLoan Servicing helps student loan borrowers manage the repayment of their federal student loans and previously served as the exclusive student loan servicer of the Public Service Loan Forgiveness program.

Here’s what you should know about FedLoan Servicing to maximize your customer service experience. In this guide, 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

Is FedLoan Servicing my student loan servicer?

FedLoan Servicing is a student loan servicer, which is responsible for collecting and managing your student loan service payments. If you have federal student loans, the U.S. Department of Education assigns you a student loan servicer. This means that you can’t choose your student loan servicer, unless you decide to refinance your student loans. If you think FedLoan Servicing may be your student loan servicer, or if you’re not sure who’s your student loan servicer, then you can verify your student loans with these simple steps.

  • Log into the National Student Loan Data System (NSLDS).

The NSLDS database includes all information about your student loans, including balances, history and student loan servicers. You can login with your Federal Student Aid (FSA) ID.

  • Check your credit report

Your credit report will also tell you whether FedLoan Servicing is your student loan servicer. You can order a free credit report for all major credit bureaus from AnnualCreditReport.com.

  • Contact FedLoan Servicing

You can contact FedLoan Servicing directly to verify if FedLoan Servicing if your student loan servicer.

Where are FedLoan loans going?

Since FedLoan Servicing ended its contract with the U.S. Department of Education, you may be asking, “Where are FedLoan loans going?”

The U.S. Department of Education selected MOHELA, another major student loan servicer, to service federal student loans for the Public Service Loan Forgiveness program. Federal student loans at FedLoan Servicing will be transferred to other federal student loan servicers, including Aidvantage, MOHELA, EdFinancial and Nelnet, for example. Therefore, FedLoan Servicing will stop servicing federal student loans for the U.S. Department of Education.

FedLoan Servicing student loan repayment options

FedLoan Servicing offers several student loan repayment options:

Standard Repayment Plan: A standard repayment plan lasts up to 10 years and the monthly installment payment remains the same throughout the repayment period.

Graduated Repayment Plan: A graduated repayment plan varies throughout the repayment period. A graduated repayment plan starts with smaller monthly payments and increases over time. For a limited time, the monthly payment is typically interest only and smaller than the standard repayment plan.

Income-Sensitive Repayment Plan: An income-sensitive repayment plan is based on monthly gross income and your amount of student loan debt. The monthly loan payment is based on a fixed percentage of gross monthly income, between 4% and 25%.

Income-Based Repayment (IBR): Income-Based Repayment (IBR) is an example in an income-driven repayment plan, which lowers your monthly payment based on your discretionary income. With an income-driven payment, your monthly payment may be as low as $0.

25-Year Extended Repayment Plan: The 25-Year Extended Repayment Planlowers your monthly payment and extends the repayment plan from 10 years to 25 years.To qualify, you must have a current loan balance of at least $30,000 and your student loans were disbursed after October 7, 1998.

Student loan borrowers with federal student loans also have access to income-driven repayment plans, student loan forgiveness, forbearance and deferment.

How to make student loan payments to FedLoan Servicing

FedLoan Servicing offers several ways to pay off student loans. You can sign up for autopay and have your monthly student loan payments directly debited from your bank account. When you sign up for autopay, you may receive a reduction in your student loan interest rate. You can also pay online on the FedLoan Servicing website. You can use your FedLoan Servicing student loans login. When you register on the FedLoan Servicing website, you will create user ID and password. To make a payment, you can sign in, click “Payments” and enter your payment information.

With FedLoan Servicing, you can pay online, by debit card and by U.S. mail.

How to contact FedLoan Servicing customer service

There are various ways to contact FedLoan Servicing customer service:

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

How to file a complaint against FedLoan Servicing

If you want to complain about FedLoan Servicing customer service or file a complaint against FedLoan Servicing as your student loan servicer, you have several options. First, you can contact the FedLoan Servicing student loan customer service by calling 1-800-699-2908. Second, you contact the Office of Consumer Advocacy at the Pennsylvania Higher Education Assistance Agency (PHEAA) at the following mailing address:

Pennsylvania Higher Education Assistance Agency

The Office of Consumer Advocacy

1200 North 7th Street

Harrisburg, PA 17102

You can also file a complaint against FedLoan Servicing with:

You should maintain written communication between you and FedLoan Servicing. This may include your monthly statements, records of communication with a FedLoan Servicing customer service representative, emails and 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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