Student Loan Servicers: Who They Are & Where To Find Them   

Updated on January 26, 2018

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.

Here, we’ll answer all the questions you were afraid to ask about your student loan servicer.

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 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
  • Certifying 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. There’s a load of pertinent info there.

You can find out what type of loans you have, check your current balances or loan statuses, 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) way 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.

The largest loan servicers currently in the space are:

How do I contact my student loan servicer?

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

* We recommend you verify the information provided below with the contact information provided on the loan servicers website.

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 Edication Services
P.O. Box 2461
Harrisburg, PA 17105-2461


Click here to read More about AES

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 -


Read More about EdFinancial

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


Read More about FedLoan

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


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)

Contact Us: 

Phone: 1-888-866-4352

Mailing Address:

633 Spirit Drive
Chesterfield, MO 63005-1243


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)

Contact Us: 

Phone:  1-800-722-1300

Mailing Address:

Navient U.S. Department of Education Loan Servicing
P.O. Box 9635
Wilkes-Barre, PA 18773-9635


Read More about Navient

Nelnet Student Loans

Office Hours: Open 24/7


Phone:  1-888-486-4722

Mailing Address:

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


Read More about Nelnet

Frequently Asked Questions:

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

You need to know your rights as a borrower.

Start by educating yourself about the best options available to pay off your debt. The more knowledgeable you are, the better questions you know to ask your servicer.

Learn about 4 Income-Driven Payment Plans that Lower Monthly Payments.

You have a few options available to you if you’re not getting anywhere with your 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. 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 or a fee. Is this legit?

No. In fact, 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

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