Federal Student Loan Servicing List and Customer Service Contact Information

What Is a Student Loan Servicer?

Most federal student loans today are direct loans. This means that the money comes straight from the Department of Education, rather than a private lender acting on behalf of the federal government. However, the Department of Education can’t manage these student loans all by itself.

In order to make sure that borrowers are paying back their student loans and having their requests and comments processed in a timely manner, the Department of Education works with several companies known as “student loan servicers.” Student loan servicers are responsible for collecting student loan payments from borrowers and managing the student loan debt under their care. Here are some services that your student loan servicer will provide:

• Managing borrower information. Student loan servicers will process changes to personal information, such as name, address, or phone number after you request them.
• Repayment plans. Processing requests to move your loan over to a new repayment plan, such as an income-driven repayment plan that you might use for student loan forgiveness.
• Student loan consolidation. Your student loan servicer will handle your requests to consolidate your student loans.

It’s important to note that your student loan servicer is the only entity authorized to act on these things for you, and they will provide these services free of charge. If someone else contacts you saying that they can change your repayment plan or consolidate your loans for a lower interest rate, then odds are that you are being targeted by a student loan scam.

Who Is My Student Loan Servicer?

You do not get to choose your loan servicer. Instead, one will be assigned to you out of the pool of loan servicing companies that the Department of Education works with. You will be assigned your loan servicer after you receive your first federal student loan. The four most common student loan services are FedLoan Servicing (PHEAA), Great Lakes, Navient (which has been in the news recently because of a major lawsuit) and Nelnet. However, there are other smaller student loan services out there as well. The full list of student loan servicers and how to contact them can be viewed below.

How To Find Your Student Loan Servicer

If you are unsure about who your student loan servicer is, you can view all the relevant information about your student loans and who services them through the official Federal Student Aid portal managed by the Department of Education.

Sometimes you may be transferred to a different loan servicer in order to balance the student debt load between all existing student loan servicing companies. In this case, you will receive a welcome letter from your new servicer including their contact information, and how you can change your payments so that they reach the new servicer. Being transferred to a new servicer will have no effect on the amount of your student loan payments, or your student loan terms.

Federal Student Loan Servicing Companies: Who They Are & How To Contact Them

Below are all of the student loan servicers that work with the Department of Education. If you have private student loans, then you probably will not recognize these companies. However, if you have federal student loans, you will be able to recognize your student loan servicer on the list below and find their contact information including their website, phone number, email address, and mailing address.

CornerStone

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

Phone Number: 1-800-663-1662

Email Address: [email protected]

Mailing Address:

CornerStone

P.O. Box 145122

Salt Lake City, UT 84114-5122

Debt Management and Collections System

Website: https://myeddebt.ed.gov/

Phone Number: 1-800-433-3243

Email Address: Website Form

Mailing Address:
U.S. Department of Education

PO Box 5609

Greenville, TX 75403-5609

FedLoan Servicing (PHEAA)

Website: https://myfedloan.org/

Phone Number: 1-800-699-2908

Email Address: Through website. Only accessible to borrowers who have an account with FedLoan Servicing.

Mailing Address:

FedLoan Servicing

P.O. Box 69184

Harrisburg, PA 17106-9184

Granite State (GSMR)

Website: https://www.gsmr.org/

Phone Number: 888-556-0022

Email Address: Website Form

Mailing Address:
Granite State Management & Resources

P.O. Box 3420

Concord, NH 03302-3420

Great Lakes Educational Loan Services, Inc.

Website: https://mygreatlakes.org/

Phone Number: 800-236-4300

Email Address: Website Form

Mailing Address:

Great Lakes

PO Box 7860

Madison, WI 53707-7860

HESC/EdFinancial

Website: https://edfinancial.com/

Phone Number: 1-855-337-6884

Email Address: Website Form

Mailing Address:

Edfinancial Services

P.O. Box 36008

Knoxville, TN 37930-6008

MOHELA

Website: https://www.mohela.com/

Phone Number: 888-866-4352

Email Address: Through website. Only accessible to borrowers who have an account with MOHELA.

Mailing Address:

MOHELA

633 Spirit Drive

Chesterfield, MO 63005-1243

Navient

Website: https://www.navient.com/

Phone Number: 800-722-1300

Email Address: Through website. Only accessible to borrowers who have an account with Navient.

Mailing Address:

Navient U.S. Department of Education Loan Servicing

P.O. Box 9635

Wilkes-Barre, PA 18773-9635

Nelnet

Website: https://www.nelnet.com/

Phone Number: 888-486-4722

Email Address: Website Form

Mailing Address:

Nelnet

P.O. Box 82561

Lincoln, NE 68501-2561

OSLA Servicing

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

Phone Number: 405-556-9200

Email Address: Through website. Only accessible to borrowers who have an account with OSLA Servicing.

Mailing Address:

Oklahoma Student Loan Authority

525 Central Park Drive, Suite 600

Oklahoma City, OK 73105

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Nick Cesare is a writer from Boise, ID. In his free time he enjoys rock climbing and making avocado toast.