OSLA Customer Service: Overview and How to Contact
Updated On September 7, 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.
OSLA, or the Oklahoma Student Loan Authority, services federal student loans for the U.S. Department of Education. OSLA services both Direct Loans and FFELP Loans. Here’s what you should know about OSLA to maximize your customer service experience, if OSLA is your student loan servicer. In this guide, we will discuss:
- What is a student loan servicer?
- OSLA student loan repayment options
- How to make student loan payments to OSLA
- How to contact OSLA customer service
- How to file a complaint against OSLA
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What is a student loan servicer?
A student loan servicer collects and manages your student loan payments. If you have federal student loans, the U.S. Department of Education assigns you a student loan servicer when your student loan is disbursed to your college or graduate school. A student loan servicer may be different than your lender. You borrow a student loan from your lender, but you make payments to your student loan servicer.Student loan servicers can help you with student loan payments, but they are not necessarily acting as your financial advisor. Therefore, it’s important to understand all your repayment options because your student loan servicer may be acting in its own best interest rather than in yours.
OSLA student loan repayment options
OSLA offers several student loan repayment options:
Standard Repayment Plan: A standard repayment plan lasts up to 10 years. If you consolidate your federal student loans, you can repay for up to 30 years. The payments are fixed amounts with a minimum of $50 per month.
Extended Repayment Plan: An extended repayment plan gives you up to 25 years to repay your student loans.
Graduated Repayment Plan: A graduated repayment plan starts with a low monthly payment and increases usually every two years. The repayment term is 10 years (and may be up to 30 years for a Direct Consolidation Loan).
Income-Driven Repayment Plans: You can also enroll 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.OSLA offers several types of income-driven repayment plans:
- Income-Based Repayment (IBR)
- Pay As You Earn (PAYE)
- Revised Pay As You Earn (REPAYE)
- Income-Contingent Repayment (ICR)
How to make student loan payments to OSLA
The best way to make student loan payment is on the OSLA website. You can use your OSLA student loans login. When you register on the OSLA website, you will create an ID and password. Make sure to sign up for OSLA’s autopay programso that your student loan payments are automatically withdrawn from your bank account each month. This will help ensure that you don’t receive any late fees or negative impact to your credit score. When yousignup for autopay, you’ll also receive a 0.25% discount on your student loan interest rate.
How to contact OSLA customer service
There are various ways to contact OSLA customer service:
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 Media: OSLA Facebook
OSLA Fax Number: 1-855-813-2224
OSLA Website: Osla.org
OSLA Customer Login: Osla.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
How to file a complaint against OSLA
If you want to complain about OSLA customer service or file a complaint against OSLA as your student loan servicer, you have several options. First, you can file a complaint with the OSLA directly by contacting 405-556-9232 and speaking with the customer service supervisor.You can also file a complaint against OSLA 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 OSLA. This may include your monthly statements, records of communication with a OSLA 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
Make sure to complete the Federal Student Aid (FSA) Ombudsman Information Checklist as well.