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The Complete List of Federal Student Loan Servicers

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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!

If you’re not quite sure where to start or what to do, consider hiring a CFA to help you with your student loans. We recommend The Student Loan Planner to help you put together a solid financial plan for your student loan debt. Check out The Student Loan Planner here.

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.

If you’re looking for a student loan debt collector, check out this list: The Complete List Of Student Loan Debt Collectors

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

Read some of the problems people have had with CornerStone Student Loan Servicing.

ESA/EdFinancial

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

(855) 337-6884

If you’re curious, make sure you read about the Problems With ESA or EdFinancial Loan Servicing

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

Check out this article about Problems With Granite State (GSMR) Student Loan Servicing

Great Lakes Educational Loan Services Inc.

PO Box 7860
Madison, WI 53707-7860

(800) 236-4300

Make sure you read this article: Problems with Great Lakes Loan Servicing

MOHELA

633 Spirit Drive
Chesterfield, MO 63005-1243

(888) 866-4352

Don’t forget to read this article about Problems With MOHELA Loan Servicing

Navient

P.O. Box 9500

Wilkes-Barre, PA 18773-9500

(888) 272-5543

If you’ve seen the news, you’ll find this article interesting: How To Deal With Navient Lawsuits And Loan Servicing Problems

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

If you’re having problems with OSLA Loan Servicing, read this.

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

It sounds like it could be confusing, but it doesn’t have to be. You can sign up for these programs for free at StudentLoans.gov.

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

Filed Under: Federal
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Comments

  1. 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…

    Reply

  3. 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

    Reply

  4. is fedloanhelp.org a legitimate student loan servicing company? is it a scam. It was not in your list. I can’t seem to find any complete information on this company. They claim they don’t ask for any money.

    Reply

    • No FedloanHelp is NOT a Federal Loan Servicing company. You shouldn’t work with them, but you should instead call your lender.

      Reply

      • Is Navloan a legit Federal Loan Servicing company? I do NOT see them on this list. Please let US know asap! They say its an processing fee.

        Reply

        • No, they are not a Dept of Education loan servicing company. You never have to pay a fee for any service relating to your Federal student loans.

          If you’re concerned about a legit website, you can always access your student loan information at StudentLoans.gov.

          Reply

  5. Is Student Loan Assistance Foundation a legitimate educational loan company? My husband filled out paperwork already for his daughter’s loan but I’m suspicious.

    Reply

    • We’ve never heard of them and can’t tell you if they are legitimate or not. We can say, in general, you don’t need to pay for any help with your student loans. You can do it for free at StudentLoans.gov. If you want help, you can always pay, but there are free options that are relatively easy to do.

      Read this article, you might find it helpful: Is My Student Assistance Company A Scam?

      Reply

  7. Does Accel Service Center work with DOE, or just charge people to fill out paperwork? Also, why do they ask for such personal ID information, that has never been asked before?

    Reply

  9. Help me get out of dealing big with Fedloanhelp.org. They take money out to of my account every month. I need help!

    Reply

  10. I’m having trouble proving a payment history for a loan repayment application from back in 2012 – NSLDS lists Dept of ed PHEAA and most recently I was dealing with fedloan, but talking to fedloan now they say I consolidated with “direct loan servicing” that “no longer exists” and there is no way to find that payment history (from 2012) since they didn’t take over the loan till 2013. Was there a company or govt agency by that name in 2012 that truely no longer exists? 10 plus calls to fedloan and speaking to supervisors and they still say they can’t help.

    Reply

  11. Hi,

    Cornerstone education Loan services sent me a letter saying that Department of Education has selected them to service my loans. I read some reviews online about Cornerstone and people have said that they were horrible and very unprofessional with students. Is there a way I can change my loans provider to someone else?

    Reply

    • Fedloan Servicing is a student loan servicer – however, many companies play off the name in an attempt to confuse or mislead people. Be aware.

      Reply

  16. Am trying to consolidate my parent plus loans into 1 loan. I work for a gov’t public service agency and my employer already signed my loan forgiveness certificate. I currently had my loans with Nelnet. Do I have a choice in marketing for other authorized loan servicers on your list to get a better/lower interest/loan terms? Which one will you recommend for me?

    Reply

  18. I know this conversation is mostly about federal loans, but…
    Do you know if it’s possible to change your student loan service provider for private loans? Do different service providers offer different interest rates or are they the same across the board? Do I have the right to choose one other than the one I’m assigned?

    Reply

  19. My school loan is in default
    The NYSDE has turned my loan over to Conserve a collection agency that on top of what I owe will charge me $5000! Im struggling now and the collection fee puts into further debt which i find unfair. My ignorance and desperation led me to sign less than a week ago a contract with the student loan center who promises me that they’ll take care of the consolidation process after I’ve made three payments to them totaling $498.00. I wanted to avoid the collection agency’s fee and they are threatening me with garnishment of salary and treasury offset. I want to (as I told the assigned collection. Agency) enter into an income driven program as offered by the collection agency and the loan center to which both agreed I could do. I’m sceptical that they can do anything before I’ve paid them and if it’s for naught as dept of Ed referred me to the collection agency. Please advise. Should I cancel that contract before payment or go back to collection agency. Would Dept of Ed allow ME to set up consolidated loans with them at this point without an intermediary? It looks to me that I worsened this situation. Thank you for your attention. To this matter. It might help someone else as well as myself

    Reply

    • You never need to pay a third party for help with your loans – that’s optional. You can do it all yourself by working with your lender and the collection agency.

      You want to start a process called student loan rehabilitation. That will get you back on track – but it’s still going to cost you more than it would have if you hadn’t defaulted in the first place.

      There’s no going back, but you can fix things going forward.

      Reply

  20. I am consolidating and can choose my new servicer (at least temporarily). Who has the fastest turn-around time for consolidating? Any thoughts are appreciated.

    Thanks!

    Reply

    • They are all similar in turn around time. If you’re going for PSLF, choose FedLoan. It will save you changes later.

      Reply

  22. I am suddenly being contacted from Action Financial Services about loans that I’ve never received a bill for. It’s been 7 years since I stopped any classes. I haven’t received any invoices or mail regarding payment of any loans other than what I’m currently paying for. I have loans from Navient that I’m paying and private loans that I’m paying. This company is coming to me out of nowhere saying I owe over $90,000. They sent me loan documents with no dollar amount and only a typed name as my signature. I don’t know where to turn to.

    Reply

  23. Is western benefits group legit? I received a letter that appeared to be sent from the IRS and supposed to be having our taxes offset. Who is this company?

    Reply

  24. I am in the process of consolidating my federal students loans. After making consistent payments for over 3 years, I learned FFEL loans are not eligible for PSLF and that only through loan consolidating will my payments become eligible for PSLF. Navient is my current loan servicer but i’ve read terrible reviews about them and find they do not keep me up to date on options for income driven programs and possible loan forgiveness options. For these reasons, I am looking into switching to a new servicer before I sign the consolidation papers. Does anyone have any recommendations for other legitimate servicers? I believe you may have stated in a comment that if pursuing PSLF, FedLoan Servicing (PHEAA) may be a good option? Any assistance in this would be helpful!

    Reply

    • If you’re pursuing PSLF, Fedloan is your only option. As soon as you submit your first employment certifications, you loans will automatically be transferred to Fedloan regardless of your loan servicer. They are the only loan servicer that handles PSLF.

      Reply

  26. I am filling out an online application to refinance my student loans. It is with INvested.org. I don’t see them on your list. Are they a legitimate loan service provider??

    Reply

    • InvestED is a student loan refinancing company – you are applying to get a new private student loan to replace your existing loans. Read our review here: InvestED review.

      Reply

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