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Who Is Your Student Loan Servicer? Here's How to Find Out

Got questions about student loan forgiveness? Here's how to find out which company is managing your loan, and how to make contact.

Logos for student loan servicers
There are nine major companies contracted to manage student loan services for the Department of Education. 

US President Joe Biden's long-awaited student loan forgiveness plan is expected to cancel up to $10,000 per person in federal direct loans for borrowers who make less than $125,000 -- or up to $20,000 if they're federal Pell Grant recipients.

Close to 8 million borrowers may see their debts wiped automatically, according to the Department of Education, but most of the more than 45 million Americans carrying education loan debt will need to reach out to the loan servicer to see if they qualify and file a request for relief.

Loan servicers are the third-party companies contracted by the Department of Education to handle billing and other services.

Here's how to find out who your loan servicer is, how to contact them and what you should have handy when you reach out.

For more on student debt forgiveness, find out if you're eligible, learn how to sign up and know how to avoid student loan payment scams.

Who is my student loan servicer?

If you don't know who your servicer is, you can sign into your Federal Student Aid account with your FSA ID. Once you get to the dashboard, you'll see your service provider and other loan details.

You can also call the Federal Student Aid Information Center (FSAIC) at 800-433-3243 or consult the Department of Education's "Who is my loan servicer?" site for more information.

How do I contact my student loan servicer?

There are nine companies that manage most federal student loans. The largest is Nelnet, which acquired Great Lakes Education Loan Services in 2018 and is now responsible for overseeing more than 40% of all student loans.  

If you know your provider, we've included links and telephone numbers, below, for the companies that service federal student loans. 

Student Loan Servicers

Servicer Website Phone Number
Aidvantage https://aidvantage.com/ 800-722-1300
EdFinancial Services (HESC) https://edfinancial.com/home 855-337-6884
Educational Computer Systems Incorporated (ECSI) https://efpls.ed.gov/ 866-313-3797
FedLoan Servicing (PHEAA) https://myfedloan.org/ 800-699-2908
Great Lakes Educational Loan Services https://mygreatlakes.org/ 800-236-4300
Maximus https://maximus.com/fsa 800-621-3115
Missouri Higher Education Loan Authority (MOHELA) https://www.mohela.com/ 888-866-4352
Nelnet https://www.nelnet.com/welcome 888-486-4722
Oklahoma Student Loan Authority (OSLA) https://public.osla.org/ 866-264-9762

Be patient. It might take some time

The new debt forgiveness plan has unsurprisingly sparked a massive number of inquiries -- servicer sites are experiencing delays, and providers are also reporting unusually high call volumes an website traffic. 

Read more: How to Request a Refund of Student Loan Payments Made During the Pandemic

Come prepared

When you do reach out, have handy any information you know about your loan before contacting your loan provider, including account numbers and balances. This is especially important if you are going to ask for a refund. 

They might not have the answers you need

"We do not have any more details on who is eligible for loan cancellation than what was announced by President Biden," Nelnet tweeted on Thursday.

Last week, EdFinancial indicated the most up-to-date info was on the Education Department site, posting on Twitter that "We have no updates. Loan eligibility has not been shared with servicers."

Aidvantage also recommends consulting the FSA website.

Your student loan servicer might be changing soon

Closeup of Betsy DeVos

In 2020, US Secretary of Education Betsy DeVos announced a shakeup to the companies contracted to manage student loan payments.

Alex Wong/Getty Images

In June 2020, then-Education Secretary Betsy DeVos announced sweeping changes to the companies that would be managing active and defaulted student loans for the federal government to streamline the process and improve a system that "can lead to customer confusion and inconsistent operations."

The number of third-party contractors with contracts from the Department of Education was trimmed from nine to five: EdFinancial Services, F.H. Cann & Associates, Maximus (which runs Aidvantage), MOHELA and Trellis Company.

Aidvantage recently began taking over the 6 million borrower accounts previously overseen by Navient, which announced it was getting out of the federal student loan business last September.

After December 2022, FedLoan Servicing will no longer continue its contract with the government, and accounts are already moving to MOHELA. Some non-Public Service Loan Forgiveness (PSLF) accounts have been moved from FedLoan to Nelnet.

But DeVos also announced that Nelnet and its subsidiary, Great Lakes, would no longer manage student loans for the federal government. The company's contract was initially set to expire in December 2022, but the Department of Education under Biden extended it through Dec. 14, 2023, the Lincoln Journal-Star reported.

Borrowers should receive a letter or email if their assigned servicer has been changed. Your account information should transfer automatically, with no change to the terms of your loan.

If you are told of a change, however, it might be worth checking in with your new provider.