Student Loan Servicers

Student Loan Servicers: Who They Are & How To Contact

If you have federal student loan Servicers are making payments on them now or will soon, you’ve probably met your student loan servicers, a new and a bit strange organization.

You’re not alone if you have no idea who this company is or what role they play in relation to your student loans. If you think your interest rate is too high, getting a student loan can be a complex and frustrating experience. And if your interest rate(s) is/are higher than 4.0 percent, you can begin saving right away by clicking here.

As student loan servicers, we’d like to remove some of the mystery from the process.

Below, you’ll discover:

Top student loan servicers are listed here.

Addresses and Frequently Asked Questions about Student Loan Servicers are provided here for each company’s convenience.

There’s a chance that your student loan servicers are about to undergo a change.

According to the Department of Education, numerous loan servicers have decided to discontinue their contracts with the agency and transfer the federal student loans they have to another servicer as the year ends.

“What does this mean to you?” Currently, Granite State or FedLoan are servicing your loan. However, they will shortly be replaced by a new servicer.

If this is the case, one of the student loan Servicers authorized by the federal government to take over these accounts will send you mail concerning your account soon.

Advantage, EdFinancial, MOHELA, Navient, and Nelnet will service the loans that are being transferred. The Department of Education, as well as your present student loan Servicers, should be in touch with you if your loan is being moved.

What are my student loan servicers responsible for?

Basically, your student loan Servicers serve as a conduit between you and your lender. The lender loaned you the money to pay for your education. Paying off your school loans is now your responsibility.
As an example of the services provided by the loan servicer,
Collecting and keeping track of monthly payments on student loans
Support for customizing your loan repayments, such as switching from the Standard Repayment Plan to an Income-Driven Repayment Plan
Helping you put off or stop making payments on your student loans and figuring out if you are eligible for student debt forgiveness programs.

Exactly how can I find out who my loan servicer is?

As soon as your loan is paid off, the Department of Education assigns it to a student loan Servicers.
You can begin your search for a loan servicer by heading to the National Student Loan Data System, which is a database maintained by the Department of Education in the United States.
This information can only be accessed with your FSA ID number. The Free Application for Federal Student Aid (FAFSA) that you submitted when you first applied for financial aid should have provided you with an FSA identification number (FSA ID). There are password-reminder prompts all across the site if you can’t remember your information.

Check your current balances, learn about the types of loans you have, and more by clicking on Financial Aid Review.

Current market leaders in loan servicing include:
FedLoan Servicing by CornerStone EdFinance (HESC)
The Navient Mohela
Osla Services from Nelnet
The Federal Student Aid website has a complete list of Student Loan Servicers.
When is the best time to get in touch with my student loan servicer?
As soon as you are no longer enrolled in school, we advise contacting your Student Loan Servicers.

Have your name, address, email address, or phone number all undergone any modifications recently?

Loan repayment aid is available if you need it.
Need help with your student loan payments or the bare minimum monthly payment you owe?
To inquire about your student loans in general, please feel free to contact us.
How can I get in touch with my student loan Servicers?
These are the key Student Loan Servicers’ contact details, which you may find in the table below.

American Education Services (AES)

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


Phone: 1-800-233-0557

Mailing address for general correspondence:

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



Office Hours:

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


Phone: 1-800-663-1662

Mailing Address: (for general correspondemce)

P.O. Box 145122
Salt Lake City, UT


EdFinancial Student Loans

Office Hours:

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



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 –


FedLoan Student Loans (PHEAA)

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


Phone: 1-800-699-2908

Mailing Address:

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


Granite State – GSMR

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


Great Lakes Student Loans

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


Phone: 1-800-236-4300

Mailing Address:

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


MOHELA Student Loans

Office Hours:

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


Phone: 1-888-866-4352

Mailing Address:

633 Spirit Drive
Chesterfield, MO 63005-1243


Navient Student Loans

Office Hours:

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


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.


Nelnet Student Loans

Office Hours: Open 24/7

Phone: 1-888-486-4722


Mailing Address:

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


OSLA Servicing

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



Mailing Address: (for general correspondence)

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


Frequently Asked Questions:

In the event of an issue with my loan servicer, what should I do?

If you can’t receive a response from your student loan servicers, you have a few options.
You should first get in touch with the federal student aid ombudsman. If you’re having problems getting a hold of your service provider, they can be a valuable resource in helping you get your issues addressed.
Any complaints you have that the Ombudsman group does not satisfactorily address can be taken up with the Consumer Financial Protection Bureau. You can expect a quicker response from them because they will forward your complaint to your provider.
Both organizations will want to know if you’ve tried to resolve the problem with your student loan servicer on your own. It’s therefore imperative that you do everything possible with your service provider before moving further.

A company recently called me with an offer to assist me with enrolling in an income-based repayment plan and/or consolidating my federal loans for a charge. I declined the offer. Does this sound right to me?

The fact that you don’t have to pay a fee to adjust your payment plan or combine your federal student loans is vital to know about. All of these things can be done for free by your student loan servicers. Directly contact the loan servicer.

My federal student loan servicer appears to have changed. If it’s not a hoax, how do I know it isn’t?

Transferring federal student loans to a new servicer is possible on occasion. The new service provider will send you an email or letter congratulating you on signing up. You may or may not get a notice from your prior service provider about this change.
The National Student Loan Data System can also be used to verify the transition.
Make payments to your new service provider as soon as you have validated the change. The conditions of your loan should remain unchanged.

My loan has been transferred to a new servicer, but what does that mean for my finances?

A lot of people think this is a huge deal, but it won’t affect your financing. All it implies is that your debt is being transferred from one business to another. (The federal government must approve all federal loan servicers.)
When it comes to the most important aspects of your financial situation, this won’t have any effect.
However, you should still pay attention to any correspondence you receive from your previous and new loan servicers. Your payment method may have changed, and you’ll want to make sure that all of your transactions were properly recorded. Although it is unusual, errors do occur.

Where can I find out more about my Perkins Loan from the federal government?

Get in touch with the university that granted you a Pell grant. It’s possible that the service provider will be the school itself. In the event that they can’t, they can direct you.

The Federal Family Education Loan (FFEL) Program loan information can be accessed on the FFEL website.

Contact your financial institution directly. If you’re unsure, check your loan statements or credit report to see if you can uncover the identity of the borrower. You may get a free copy of your credit report from

About James G. Barr

I am an international student. I am a doctoral student and teaching assistant at a University in the United States. Aspiring students looking to make their educational dreams come true, we offer generous scholarships to help you reach your goals.

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