Student Loan Servicers: Who They Are & How To Contact Them   


 Michael Brown Updated: December 17, 2020

If you’re making payments on your federal student loans, or you’re about to start, you’ve probably become acquainted with a new and somewhat mysterious entity known as your student loan servicer.

If you’re not entirely sure who this company is, or what their role is in your student loans, you’re not alone. The student loan process can be a bit confusing, and also frustrating if you believe your interest rate is too high. (And psst ... if your interest rate(s) is over 4.0% click below and start saving today.)

New call-to-action

Here, we'd like to take a bit of the mystery out of the student loan payment process. Below you'll find:

  • A list of the top student loan servicers
  • Each company's contact info, and
  • Answers to some of the most frequently asked questions surrounding student loan servicing.

What does my loan servicer do?

Your loan servicer’s main job is to act as an intermediary between you and your lender. The lender is the one that provided the money for you to pay for college. Now, you’ll work with the student loan servicer to repay the lender.

The loan servicer does several things, including:

  • Collecting and tracking your monthly student loan payments
  • Offering support to customize your loan payments, such as changing from the Standard Repayment Plan to an Income-Driven Repayment Plan
  • Assessing your eligibility for stduent loan forgiveness programs, and
  • Assisting lenders with deferment or forbearance.

How do I know who my student loan servicer is?

Your loan is assigned to a loan servicer by the U.S. Department of Education after your loan amount is first paid out.

To find your servicer, start by going to the National Student Loan Data System, which is the U.S. Department of Education’s central database for student aid. 

You’ll need your Federal Student Aid (FSA) ID number to access your information. You should have received your FSA ID when you filled out the Free Application for Federal Student Aid (FAFSA) way back when you first applied for financial aid. If you can't remember your info, there are password-reminder prompts in many places on the site. 

Click on Financial Aid Review to find out what type of loans you have and who services them, to check your current balances, and more.

The largest loan servicers currently in the space are:

A full list of servicers is available on the Federal Student Aid website.

When should I contact my student loan servicer?

If you're no longer in school, we recommend you contact your loan servicer when you:

  • Have had any changes to your name, address, email or phone number
  • Need assistance making your loan payment
  • Have a question about your student loan bill or monthly minimum owed, or
  • Have any other questions about your student loan(s) in general.

How do I contact my student loan servicer?

Below we have listed the contact information for the main student loan servicers.

* We recommend you verify the information provided below with the contact information provided on the loan servicer's website.

American Education Services (AES)

Office Hours: M - F: 7:30 AM - 9 PM (EST)

Email 

Phone:  1-800-233-0557

Mailing address for general correspondence:

American Education Services
P.O. Box 2461
Harrisburg, PA 17105-2461

Website: http://www.aessuccess.org/ 

Click here to read more about AES

CornerStone

Image result for Cornerstone servicing

Office Hours:

M - TH: 6:00 AM - 7:00 PM (MT)
F: 6:00 AM - 5:00 PM (MT)

Email

Phone: 1-800-663-1662

Mailing Address: (for general correspondemce)

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

Website: https://www.mycornerstoneloan.org/

EdFinancial Student Loans

Office Hours:

M - TH: 8:00 AM - 8:30 PM (EST)
F: 8:00 AM - 6:00 PM (EST)

Email

Phone: 

Acct #s beginning with "F" (1-855-337-6884)
Acct #s beginning with "C" (1-800-337-6884)

Mailing Address:

EdFinancial Services
P.O. Box 36008
Knoxville, TN 37930-6008
* see more here - https://www.edfinancial.com/Contact#correspondence

Website: https://www.edfinancial.com 

Read More about EdFinancial

FedLoan Student Loans (PHEAA)

Office Hours: M-F: 8:00 AM - 9:00 PM (EST)

Email

Phone:  1-800-699-2908

Mailing Address:

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

Website: https://myfedloan.org/

Read More about FedLoan

Granite State - GSMR

Image result for Granite State servicing

Office Hours: M-F: 8:00 AM - 6:00 PM (EST)

Phone: 1-888-556-0022

Mailing Address:

Granite State Management & Resources
P.O. Box 3420
Concord, NH 03302-3420

Website: https://www.gsmr.org/ 

Great Lakes Student Loans

Office Hours: M-F: 7:00 AM to 9:00 PM (CT)

Email

Phone:  1-800-236-4300

Mailing Address:

Great Lakes
P.O. Box 7860
Madison, QI 53707-7860

Website: https://mygreatlakes.org/educate/

Read More about Great Lakes

MOHELA Student Loans

Office Hours: 

M-Th: 7:00 AM - 9:00 PM (CT)
F: 7:00 AM - 5:00 PM (CT)

Email  

Phone: 1-888-866-4352

Mailing Address:

MOHELA
633 Spirit Drive
Chesterfield, MO 63005-1243

Website: https://www.mohela.com/

Read More about MOHELA

Navient Student Loans

Office Hours:

M-TH: 8:00 AM - 9:00 PM (EST)
F: 8:00 AM - 8:00 PM (EST)

Email

Phone:  1-800-722-1300

Mailing Address:

Navient has multiple mailing addresses that correspond to different loan types. Check here to find out where to direct your correspondence.

Website: https://www.navient.com/

Read More about Navient

Nelnet Student Loans

Office Hours: Open 24/7

Phone:  1-888-486-4722

Email

Mailing Address:

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

Website: https://www.nelnet.com

Read More about Nelnet

OSLA Servicing

OSLA Student Loan Servicing

Office Hours: M-F 8:00 AM - 5:00 PM (CT)

Email

Phone:1-866-264-9762

Mailing Address: (for general correspondence)

OSLA
P.O. Box 18475
Oklahoma City, OK 73154-0475

Website: https://public.osla.org/

Frequently Asked Questions:

What do I do if I have a problem with my loan servicer?

You have a few options available to you if you’re not getting anywhere with your student loan servicer.

First, contact the Federal Student Aid Ombudsman Group. They can help you communicate your concerns to your servicer and assist you with resolving disputes fairly.

If the Ombudsman group doesn’t adequately address your concerns for some reason, then you can submit a complaint to the Consumer Financial Protection Bureau. They will route your complaint to your servicer to prompt a faster resolution.

It’s important to note that both groups will ask if you’ve contacted your student loan servicer to work out your issue directly. Therefore, make sure you’ve done everything you can with your servicer before moving forward.

I was recently contacted by a company that offered to help me enroll in an income-based repayment plan and/or consolidate my federal loans for a fee. Is this legit?

It's important to know that you never have to pay a fee to change your payment plan or consolidate your federal student loans. Your student loan servicer can help you accomplish all of these things for free. Contact your loan servicer directly.

It looks like my federal student loan servicer changed. How do I know that’s not a scam?

Federal student loans may sometimes be transferred to new servicers. If that happens, look for a welcome letter or email from your new servicer. You may or may not receive notification from your previous servicer.

You can also check your account in the National Student Loan Data System to verify the switch.

Once you have verified the change, begin making payments to your new servicer as directed. There should be no changes in the terms of your loan.

How do I find information about my federal Perkins Loan?

Call the school that issued you the Perkins loan. The school may be the servicer. If not, they can direct you to the appropriate party.

How do I find information about my Federal Family Education Loan (FFEL) Program loan?

Contact your lender directly. If you don’t know who it is, you should be able to find out on your loan statements or your credit report. You can get a free copy of your credit report at AnnualCreditReport.com.

Refinance & Save Today With These Leading Lenders

#1 - Nitro Recommended View More Details

Special offers for medical resident and fellow refinance products

  • Fixed rates: 2.63% - 6.25% APR
  • Variable rates: 1.89% - 5.99% APR
  • Minimum credit: 650
View More Details
Visit Splash View Loan Disclosure

Splash Financial is a leader in student loan refinancing with new rates as low as 2.63% fixed APR which can save you tens of thousands of dollars over the life of your loans. No application or origination fees and no prepayment penalties. Splash Financial is in all 50 states and is intensely focused on customer service. Splash Financial is also one of the few companies that offers a great medical resident and fellow refinance product. You can check your rate with Splash in just minutes.

  • Low interest rates – especially for graduate students
  • No application or origination fees. No prepayment penalties.
  • Co-signer release program - you can apply for a cosigner release form your loan after 12 months of on-time payments
  • Specialty product for doctors in training with low monthly payment

Click here to see more of Splash's offerings and to see how you can save money.

#2 View More Details

SoFi is the leading student loan refinancing provider. 

  • Fixed rates: 2.99% - 6.88% APR
  • Variable rates: 2.25% - 6.43% APR
  • Minimum credit: 700
View More Details
Visit SoFi View Loan Disclosure

$30 billion+ in refinanced student loans. SoFi has some of the lowest interest rates and, unlike the other lenders we reviewed, there's no maximum on the amount you can finance. Some state restrictions may apply.

  • Serious savings: Save thousands of dollars thanks to flexible terms and low fixed or variable rates.
  • No hidden fees, no catch: No application or origination fees. No pre-payment penalties.
  • Fast, easy, and all online: Simple online application and access to live customer support 7 days a week.
  • Access to member benefits: SoFi members get career coaching, financial advice, and more—all at no cost.
  • 98% of surveyed members would recommend SoFi to a friend

Save thousands on your student loans and pay off your loans sooner. Find your rate.

#3 View More Details

Ability to apply for cosigner release after 24 consecutive payments. 

  • Fixed rates: 2.99% - 5.90% APR
  • Variable rates: 2.00% - 5.70% APR
  • Minimum credit: 680 (640 w/ co-signer)
View More Details
Visit NelNetBank View Loan Disclosure

Give Your Life’s Journey a Jump-Start.

If you’re ready to put student loans in your rearview mirror, Nelnet Bank student loan refinancing offers low rates and flexible terms to help you start getting ahead.

  • VARIABLE RATES: Rates as low as 2.99% APR
  • FIXED RATES: Rates as low as 2.00% APR
  • AUTO DEBIT SAVINGS: We’ll knock .25% off of your interest rate when you enroll in auto debit. See Disclaimer
  • NO ORIGINATION FEES: No application, origination, or prepayment fees on Nelnet Bank loans.
  • HARDSHIP PROTECTION: Hardship forbearance helps protect against unexpected loss of income. See Disclaimer

See How Much You Can Save: Estimate your savings with a student loan refinance from Nelnet Bank.

#4 View More Details

Best for borrowers who want to customize their repayment schedule to pay off debt fast.

View More Details
Visit Earnest View Loan Disclosure

Using technology, data, and design to build affordable products, Earnest's lending products are built for a new generation seeking to reach life's milestones. The company understands every applicant's unique financial story to offer the lowest possible rates and radically flexible loan options for living life.

  • Commitment-free 2 minute rate check
  • Client Happiness can be reached via in app messaging, email, and phone 
  • No fees for origination, prepayment, or loan disbursement
  • Flexible terms let you pick your exact monthly payment or switch between fixed and variable rates
  • Skip a payment and make it up later
  • Online dashboard is designed to make it easy to apply for and manage your loan

Click here to apply with Earnest and to see how much you can save.

#5 View More Details

Operates in all 50 states; 2nd largest student loan refinancing lender

  • Fixed rates: 3.00% - 6.20% APR
  • Variable rates: 1.99% - 6.10% APR
  • Minimum credit: 700
View More Details
Visit Laurel Road View Loan Disclosure

Laurel Road is a national online lender with customers in all 50 states, the District of Columbia, and Puerto Rico. Many of our non-bank competitors are not able to lend in all 50 states.Laurel Road has grown to be the second largest player in the student loan refinancing space in large part because of our reputation as the go-to low rate provider.

Laurel Road Student Loan Refinance Review

  • National reach - Online lender that is available in all 50 US states, the District of Columbia and Puerto Rico.
  • No fees & the lowest rates in the space - Laurel Road is the most transparent about the rates they provide customers, and offer the lowest rates where it counts. Our customers will save more than $20,000 over the life of their loans on average. 
  • Customer service reputation - Laurel Road's customer service representatives are no rookies. With 19 years of experience on average, Laurel Road’s Customer Service team delivers an experience that is best in the industry. They work to build meaningful, life-long relationships with our valued customers to improve their overall financial wellness.
  • The stability & security of a bank - They are a division of Darien Rowayton Bank, a stable and secure FDIC-insured bank, regulated by the FDIC and the Connecticut Department of Banking.

Get your personalized, pre-approved rates in less than 5 minutes.

#6 View More Details

For every loan they fund, they contribute to the education of a child in need

  • Fixed rates: 2.83% - 6.74% APR
  • Variable rates: 1.99% - 6.84% APR
  • Minimum credit: 660
View More Details
Visit CommonBond View Loan Disclosure

CommonBond was founded in 2011 by three MBA graduates from the University of Pennsylvania’s Wharton School who wanted to help their peers escape from high-interest student loan debt. Its original focus was on grad students, but it has since expanded to cover undergrads as well.

Of all the companies we reviewed, CommonBond has some of the best customer service. The company prides itself on being easy to reach by email, phone, or live chat. It offers networking events, expert panels, insider newsletters, and even has a program help borrowers who lose their jobs to find new ones. CommonBond also makes you feel good about choosing to refinance with them by donating money to an education nonprofit for each loan they write.

CommonBond Student Loan Refinance review

  • Unemployment protections - If you lose your job or decide to go back to school, you can delay your payments for up to 24 months.
  • Social promise - For every loan they fund, they also contribute to the education of a child in need.
  • Hybrid loan option - Offerings include a 10-year hybrid loan with fixed interest for the first five years, and variable interest for the final five.
  • Referral bonus - For every friend you refer who refinances their loans with CommonBond, you’ll earn a $200 cash bonus.
  • Qualification - Borrowers must have graduated at least 2 years prior if they want to apply without a co-signer. And borrowers in 6 states – Idaho, Louisiana, Mississippi, Nevada, South Dakota, and Vermont – cannot currently refinance through CommonBond.

Get a personalized review of your refinancing options with CommonBond today.

#7 View More Details

Works with 300+ community lenders for higher approval chances

  • Fixed rates: 2.95% - 7.63% APR
  • Variable rates: 1.91% - 5.25% APR
  • Minimum credit: 660
View More Details
Visit LendKey View Loan Disclosure

Connecting student borrowers to a network of over 300 community lenders with low interest rates. By partnering with these lenders, LendKey is able to give consumers direct access to the best rates available from the most borrower friendly institutions. As the servicer of all loans obtained through its platform, you can rest easy knowing your personal information will be safe and that the best customer service team will be ready to answer your questions from application until your final payment.

LendKey Student Loan Refinance review

  • Lightning fast rate check - 2-minute rate check with no impact on your credit score
  • More lenders, more options - see the best offers from over 300+ community lenders for higher approval chances
  • Life of loan relationship - With LendKey, your personal information will never be sent or passed on to third parties. Their customer service team is with you from the moment you land on their website until you've completely repaid your loan.
  • Unmatched benefits- Community lenders put people over profits and offer unique benefits like cosigner release after 12 on-time payments, interest only repayment options to keep monthly payments low, the largest unemployment protection period in the market, and more.

Get a personalized quote from LendKey now.
Ready to pay off your student loans? Get Started Now!

I reduced my student loan payment by $152 per month, by refinancing thru Nitro

Save Money Now

© 2021 Nitro College. All Rights Reserved.

Disclaimer:  The information obtained throughout the Nitro site is intended to be used for educational purposes only. All product names, logos, and other trademarks displayed within the Nitro site are the property of their respective owners. Here at Nitro we strive to provide you with accurate, up-to-date information, but suggest checking the source directly. We recommend consulting a licensed financial professional before making any financial decisions. This site may be compensated through our partner relationships. NitroCollege.com is not endorsed or affiliated with the U.S. Department of Education.

Follow Us