Not sure how many loans you have or who is servicing them? Your student loans may or may not all be with the same servicer, and it’s important to find out which companies are servicing your loans.
Visit StudentAid.gov for an overview of all of your federal student loans. You will need your FSA ID to access the information. If you don’t have an FSA ID you can request one while you’re on this site.
Finding Your Student Loans
You may have multiple loans with multiple servicers.
For all Federal Student Loans, use your Federal Student Aid ID (FSA ID) and log in to Studentaid.gov.
Federal student loans can be serviced by one of the following federal student loan servicers:
- Edfinancial
- Aidvantage
- MOHELA
- Nelnet
- ECSI
- Default Resolution Group
For Private Student Loans, you can locate your lenders by going to AnnualCreditReport.com.
Which loan types do you have?
Federal Direct Loan Program (FDLP)
As of July 1, 2010, all federal student loans are funded by the federal government through the Federal Direct Loan Program (FDLP). Loan types include Direct Subsidized, Direct Unsubsidized, Direct Parent PLUS, Direct Graduate Student PLUS (Grad PLUS) loans, and Direct Consolidation loans. These student loans have low interest rates and flexible repayment terms to help students of various economic background gain access to higher education. There are a limited number of organizations designated by the U.S. Department of Education to service these loans.
Federal Family Education Loan Program (FFELP)
FFELP loans were available through private lenders prior to July 1, 2010 (you may have chosen a private lender from a list when you originated your loan) and were guaranteed by the federal government. FFELP loan types include Subsidized and Unsubidized Stafford, Parent PLUS, Grad PLUS, and Consolidation loans. FFELP loans have similar terms and conditions to Direct Loans, but there are some differences in repayment plans, loan forgiveness programs, borrower benefits, and interest rates.
Which loan type(s) do you have?
Federal Direct Loan Program (FDLP):
As of July 1, 2010, all federal student loans are funded by the federal government through the Federal Direct Loan Program (FDLP). Loan types include Direct Subsidized, Direct Unsubsidized, Direct Parent PLUS, Direct Graduate Student PLUS (Grad PLUS) loans, and Direct Consolidation loans. These student loans have low interest rates and flexible repayment terms to help students of various economic backgrounds gain access to higher education. There are a limited number of organizations designated by the U.S. Department of Education to service these loans.
Federal Family Education Loan Program (FFELP):
FFELP loans were available through private lenders prior to July 1, 2010 (you may have chosen a private lender from a list when you originated your loan) and were guaranteed by the federal government. FFELP loan types include Subsidized and Unsubsidized Stafford, Parent PLUS, Grad PLUS, and Consolidation loans. FFELP loans have similar terms and conditions to Direct Loans, but there are some differences in repayment plans, loan forgiveness programs, borrower benefits, and interest rates.
List of current student loan servicers
-
Edfinancial
-
Nelnet
-
Aidvantage
-
ECSI
-
MOHELA
-
Default Resolution Group