If something is tied to the federal government you know what that means—it’s probably big, cumbersome, complicated, and confusing. The federal student loan system is no exception.
So perhaps it’s not surprising that many people don’t even know who holds their federal student loans. The National Student Loan Data System (NSLDS) is the U.S. Department of Education's central database for student aid. Here's how to use it to find out who has your loans.
Check out nslds.ed.gov, the U.S. Department of Education’s central database for student aid.
The NSLDS does a lot of things. It receives data from schools, agencies that guarantee loans, the Direct Loan program, and other U.S. Department of Education programs.
NSLDS also provides a centralized, integrated view of federal student loans and grants, tracking them from beginning to end.
There’s a load of pertinent info there. You can find out what type of loan you have, check your current balances or loan status, and more.
You’ll need identification information to access the database, including your Federal Student Aid (FSA) ID number. You should have received your FSA ID when you filled out the Free Application for Federal Student Aid (FAFSA) waaaay back when you first applied for financial aid.
If you don’t have your FSA ID handy, there are password and username recall prompts on the website.
For more information via telephone, call 800-999-8219. You also have the option of calling the Federal Student Aid Information Center at 800-433-3243 or 800-730-8913 (TDD).
If you’re in an area where you cannot make an 800 call, you may call 785-838-2141 instead (this is not a toll-free number).
You can find loan servicers for federal loans made through the William D. Ford Federal Direct Loan Program (Direct Loan) and the Federal Family Education Loan (FFEL) Program here: https://studentaid.ed.gov/sa/repay-loans/understand/servicers#my-servicer
You can contact lenders directly using the following info:
CornerStone, https://cornerstoneloan.org/, 800-663-1662
FedLoan Servicing (PHEAA), https://myfedloan.org/, 800-699-2908
Granite State – GSMR, https://gsmr.org/, 888-556-0022
Great Lakes Educational Loan Services, Inc., https://mygreatlakes.org/, 800-236-4300
HESC/Edfinancial, https://edfinancial.com, 855-337-6884
MOHELA, https://www.mohela.com/, 888-866-4352
Navient, https://navient.com/loan-customers/, 800-722-1300
Nelnet, https://www.nelnet.com/welcome, 888-486-4722
OSLA Servicing, https://public2.osla.org/index.aspx, 866-264-9762
You can find more information on all servicers here.
You might also be interested in reading Why Did My Student Loan Payment Increase?
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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.
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For every loan they fund, they contribute to the education of a child in need
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.
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16 different loan term options – more flexibility to pay down your loan faster
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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.
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SoFi is the leading student loan refinancing provider.
$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.
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