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Who Is My Student Loan Servicer?
By
Cait Steele
Cait Williams is a Content Writer at Scholarships360. Cait recently graduated from Ohio University with a degree in Journalism and Strategic Communications. During her time at OU, was active in the outdoor recreation community.
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Maria Geiger is Director of Content at Scholarships360. She is a former online educational technology instructor and adjunct writing instructor. In addition to education reform, Maria’s interests include viewpoint diversity, blended/flipped learning, digital communication, and integrating media/web tools into the curriculum to better facilitate student engagement. Maria earned both a B.A. and an M.A. in English Literature from Monmouth University, an M. Ed. in Education from Monmouth University, and a Virtual Online Teaching Certificate (VOLT) from the University of Pennsylvania.
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If you have any student loans, then you also have what’s called a loan servicer. A loan servicer is assigned to your account to ensure that everything is in order during the life of your loan. Your servicer may provide you necessary information about your loan, contact you about late payments, or help get you information on different repayment plans.
Who is my servicer?
There are two ways that you can find out who your loan servicer is:
Option oneLog on to your Federal Student Aid account dashboard. From there you should be able to scroll down and find a section titled “My loan servicer”, where you can find who your loan servicer is |
Option twoYou can also call the Federal Student Aid Information Center at 1-800-433-3243 |
Loan servicers
The federal government cannot manage all of the student loans they give out on their own, which is why they outsource their loan servicing to the companies listed below.
| Edfinancial | 1-855-337-6884 |
| MOHELA | 1-888-866-4352 |
| Aidvantage | 1-800-722-1300 |
| Nelnet | 1-888-486-4722 |
| ECSI | 1-866-313-3797 |
| Default Resolution Group | 1-800-621-3115 (TTY: 1-8777-825-9923 for the deaf or hard of hearing) |
One of these companies will be listed on your account as your loan servicer. A loan servicer will be the one to help you with any questions you may have, information about repayment plans and any general information about your loan.
Loan transfers
If you have your student loans long enough, at some point they may be transferred to a different servicer. In this case, just know that it is completely normal and nothing should be expected of you when it transfers. If your loan servicer does change, this is what you can expect:
- A letter informing you of the transfer
- A letter from your new servicer with contact information and anything that is needed of you
- No change in the terms of your loan
- All previous loan information will be given to your new servicer for their records
Student loan scams
The Federal Student Aid website makes it clear that at no point should your servicer ever ask you for money to complete any sort of service. Your servicer should provide you with all the necessary information you need at no cost. If you are contacted by someone asking for your information or payment, this is likely a scam and you should not provide them any information. Unfortunately, many student loans scams and loan forgiveness scams do exist out there, so be careful!
Private student loan servicers
If you have any private student loans then it is likely that your loan provider is also your servicer. This is a question you should ask your loan provider before you take out your loan. If you have a private student loan and you don’t know who your loan servicer is, call your loan provider today and ask!
Key Takeaways
Frequently asked questions about student loan servicers
Who replaced Navient?
Do student loans go away after 10 years?
How do I know if my student loans are forgiven?
What’s the difference between my lender and my loan servicer?
Are all of my student loans serviced by the same company?
Can I choose my loan servicer?
