The Complete List of Federal Student Loan Servicers

FAFSA Dept of EducationFiguring out who has your student loans can be a major headache and challenge.  Over the life of a student loan, it’s not uncommon for it to be transferred several times between servicers.  By the time you’re actually ready to pay 4 or 5 years after taking out your first student loan, you may not even know where your student loan is located.

And this can be a major problem!  For federal student loans, you have a 6 month deferment period before you’re required to start making payments.  If you’re not contacted by your student loan servicer, they most likely don’t have your new address.  But that doesn’t mean they aren’t going to charge you interest and fees for student loans you’re not paying.  That’s going to kill your credit score (and you should care)!

As a result, you need to make an effort to track down your student loans after you graduate!

 

Start Here: The National Student Loan Database

The first thing that you need to do after you graduate is head over to the National Student Loan Database.  This is a great resource that is maintained by the US Department of Education that tracks who services your student loans and the balance of your loans.  Given how much can change with your student loans while you’re in school, this can be really helpful to track everything down.

To access your information, you simply need to provide your name, Social Security number, birthday, and a pin number.  It will then show a list of your student loan debt that has been registered with the Department of Education (which includes all federal student loans and some private student loans).

Once you know who your student loan servicer is, you need to contact them, especially if you are nearing the end of your deferment period and haven’t received a statement or any other information.

 

Contact Your Student Loan Servicer

Here is the name, address, and contact info for the Federally approved student loan servicers.  If you’re loan is at one of these companies, this is the information you need.  Also, read our reviews on the ones that we’ve encountered here at The College Investor.

Aspire Resources Inc.

PO Box 65970
West Des Moines, IA 50265-0970

(855) 475-3335

CornerStone

P.O. Box 145122
Salt Lake City, UT 84114-5122

(800) 663-1662

ESA/EdFinancial

P.O. Box 36008
Knoxville, TN 37930-6008

(855) 337-6884

FedLoan Servicing (PHEAA)

P.O. Box 69184
Harrisburg, PA 17106-9184

(800) 699-2908

Don’t forget to read my battle with FedLoan Servicing and why I think it’s the worst student loan servicing company.

Granite State (GSMR)

PO Box 2097
Concord, NH 03302-2097

(888) 556-0022

Great Lakes Educational Loan Services Inc.

PO Box 7860
Madison, WI 53707-7860

(800) 236-4300

MOHELA

633 Spirit Drive
Chesterfield, MO 63005-1243

(888) 866-4352

NelNet

P.O. Box 82561
Lincoln, NE 68501-2561

(888) 486-4722

Make sure that you check out NelNet Student Loan Servicing Problems.

OSLA Servicing

525 Central Park Drive, Suite 600
Oklahoma City, OK 73105

(405) 556-9224

Note to borrowers that OSLA Servicing doesn’t post their contact information online, which makes them very difficult to contact.  This is the best information we have.

Sallie Mae

P.O. Box 9635
Wilkes-Barre, PA 18773-9635

(800) 722-1300

VSAC Federal Loans

Po Box 777
Winooski, VT 05404

(888) 932-5626

 

Get In Touch

Have you ever had trouble getting in touch with your student loan servicing company?  If so, share your story below!

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  • Daniela Tapia

    Wow in not in college, but I do have a sister who is who I bet this information is important for her. I never thought about our student loan, how important it is where our student loan is located. Good tips and thanks for the heads up…

  • http://twitter.com/YoliRealtor Yoli Flores

    I will make sure to share this information with my twins.

  • shoesan

    Student loans are so overwhelming. I dread doing that FASFA form every year. They need to carry the info over from year to year and just let you update it!! UGH