FedLoan Servicing Customer Service: Overview And How To Contact
Updated On January 24, 2023
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.
If you want to know how to contact FedLoan customer service, this complete guide will teach you everything you need to know.
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:
- Is FedLoan Servicing my student loan servicer?
- Where are FedLoan loans going?
- FedLoan Servicing student loan repayment options
- How to make student loan payments to FedLoan Servicing
- How to contact FedLoan Servicing customer service
- How to file a complaint against FedLoan Servicing
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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. First, you can sign up for autopay and have your monthly student loan payments directly debited from your bank account. Importantly, when you sign up for autopay, you may receive a reduction in your student loan interest rate.
Second, you can also pay online on the FedLoan Servicing website and 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
P.O. Box 790234
St. Louis, MO 63179-0234
Direct Debit Applications:
P.O. Box 3661
Harrisburg, PA 17105-3661
Send letters and correspondence to:
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:
- Consumer Financial Protection Bureau
- Your state consumer protection office
- Federal Student Aid
- Your state attorney general
- Your congressional representative
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
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.