Student Loan Servicers Phone Numbers and Student Loan Servicers Login

If you need to contact your student loan servicer, you’re going to need a complete list of the major student loan servicers phone numbers. Student loan servicers are companies that work on behalf of the U.S. Department of Education to manage your student loan payments. The best student loan servicers offer helpful customer service, answer questions on student loans, and help borrowers explore student loan repayment options.

In this guide, we will discuss:

• What’s a student loan servicer?
• Student loan servicers: phone numbers
• How to login to my student loan servicer
• Who’s my student loan servicer?

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April 2024

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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.

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.

APR

5.24% - 9.99%

6.24% - 9.99%

5.24% - 9.99%

Get My Rate

View Details

on SoFi's website

Overview

Variable APR:

6.24% - 9.99%

Fixed APR:

5.24% - 9.99%

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

Review:

SoFi Student Loan Refinancing Review

5.44% - 9.99%

6.24% - 9.99%

5.44% - 9.99%

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View Details

on Earnest's website

Overview

Variable APR:

6.24% - 9.99%

Fixed APR:

5.44% - 9.99%

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

Review:

Earnest Student Loan Refinancing Review

5.19% - 9.74%

5.84% - 9.75%

5.19% - 9.75%

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View Details

on NaviRefi's website

Overview

Variable APR:

5.84% - 9.75%

Fixed APR:

5.19% - 9.74%

Minimum Credit Score:

680

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

Review:

NaviRefi Student Loan Refinancing Review

5.48% - 8.69%

5.28% - 8.99%

5.28% - 8.99%

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View Details

on ELFI's website

Overview

Variable APR:

5.28% - 8.99%

Fixed APR:

5.48% - 8.69%

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

Review:

ELFI Student Loan Refinancing Review

3.99% - 9.99%

5.99% - 9.99%

3.99% - 9.99%

Get My Rate

View Details

on Splash's website

Overview

Variable APR:

5.99% - 9.99%

Fixed APR:

3.99% - 9.99%

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 – 20 years

Borrower Residency:

All states

Hardship Deferment:

Varies

Co-signer Option:

No

Review:

Splash Financial Student Loan Refinancing Review

6.99% - 10.99%

7.29% - 12.44%

6.99% - 12.44%

Get My Rate

View Details

on Citizens' website

Overview

Variable APR:

7.29% - 12.44%

Fixed APR:

6.99% - 10.99%

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

Review:

Citizens Student Loan Refinancing Review

5.44% - 9.75%

5.49% - 9.95%

5.44% - 9.95%

Get My Rate

View Details

on Laurel Road's website

Overview

Variable APR:

5.49% - 9.95%

Fixed APR:

5.44% - 9.75%

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

Review:

Laurel Road Student Loan Refinancing Review

5.24% - 12.18%

5.55% - 12.18%

5.24% - 12.18%

Get My Rate

View Details

on LendKey's website

Overview

Variable APR:

5.55% - 12.18%

Fixed APR:

5.24% - 12.18%

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

Review:

LendKey Student Loan Refinancing Review

Checking Your Rate Doesn't Affect Your Credit Score

Disclosures: SoFi | Earnest | NaviRefi | ELFI | Splash Financial | Citizens | Laurel Road | LendKey

What is a student loan servicer?

A student loan servicer is a company that is responsible for collecting student loan payments on behalf of a lender such as the U.S. Department of Education. Student loan servicers perform several functions, including collecting student loan payments, answering questions about student loans, managing other administrative tasks.

These student loan servicers manage federal student loans, including Direct Loans, subsidized student loans, unsubsidized student loans, Parent PLUS Loans and Grad PLUS Loans, for example. In addition to federal student loans, many student loan servicers also manage private student loans. Some student loan servicers, such as Navient, no longer manage federal student loans.

Unlike lenders, student loan servicers don’t lend student loans to borrowers. Rather, lenders contract with student loan servicers to serve as a “middleman” between the lender and student loan borrowers. Similarly, you may wonder “Is a student loan servicer a debt collector?” No, student loan servicers aren’t debt collectors either.

When you want to enroll in an income-driven repayment plan or explore student loan forgiveness, you can contact your student loan servicer for more information.

Read: The Complete Guide To Federal Student Loan Servicers

Student loan servicers: phone numbers

Knowing your student loan servicer’s phone number is critical for your student loan repayment. When you pay student loans, you’ll likely want to communicate with your student loan servicer on a regular basis.

Here are major student loan servicers phone numbers:

Aidvantage Phone Number: 1-800-722-1300

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

ECSI Phone Number: 1-866-313-3797

Edfinancial Phone Number: 1-855-337-6884

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

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

MOHELA Phone Number: 1-888-866-4352

Nelnet Phone Number: 1-888-486-4722

OSLA Phone Number: 1-866-264-9762

How to login to my student loan servicer

Once you know all the student loan servicers phone numbers, you’ll also want to know how to login to your student loan servicer online.

Here’s a complete list of student loan servicers login information:

• Aidvantage Login
• Default Resolution Group Login
• ECSI Login
• Edfinancial Login
• FedLoan Servicing Login
• Great Lakes Login
• MOHELA Login
• Nelnet Login
• OSLA Login

Who’s my student loan servicer?

To find out who’s your student loan servicer for your federal student loans, the process is simple and can be accessed directly through Federal Student Aid. For private student loans, you can contact your lender to determine who’s your student loan servicer.

Federal Student Loans

There are two main options for federal student loans:

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.

Private Student Loans

If you have a private student loan, your student loan servicer is most likely your lender. Many student loan lenders service their own student loans. For example, Navient and NaviRefi service their own private student loans.

However, some lenders use third-party lenders to service their private student loans. For example, MOHELA is the student loan servicer for SoFi private student loans. If you’re unsure who your student loan servicer is, contact your lender. Alternatively, your student loan servicer’s name will be listed on your student loan bill.

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