To find your student loan servicer, log in to StudentAid.gov with your FSA ID and open the “My Aid” section — each federal loan is listed with the servicer’s name, website, and phone number. For private loans, your credit report shows the company currently reporting each account, and that company is your servicer. Servicers change more often than most borrowers expect, so it’s worth confirming yours before you send a payment or apply for a repayment program.
Look Up Your Federal Servicer on StudentAid.gov
The Department of Education tracks every federal student loan through the National Student Loan Data System, and you access that data through your account at StudentAid.gov.1Federal Student Aid. National Student Loan Data System (NSLDS) You need an FSA ID to log in. If you don’t have one, you can create it on the same site using your name as it appears on your Social Security card, your date of birth, your Social Security number, and an email address you can still access for two-step verification.2Federal Student Aid. Creating Your StudentAid.gov Account
Once you’re in, go to “My Aid” and scroll to the “Loan Breakdown” area. Each federal loan is listed individually with its current servicer’s name, website, and customer service number.1Federal Student Aid. National Student Loan Data System (NSLDS) The information updates when the Department moves your loan, so what you see is your current servicer, not necessarily the one you first borrowed from.
Current Federal Loan Servicers
The Department contracts with a small number of companies. As of 2025, the active federal servicers are:3Federal Student Aid. Finding Your Student Loans – Edfinancial Services
- Aidvantage: 1-800-722-1300
- Edfinancial: 1-855-337-6884
- MOHELA: 1-888-866-4352
- Nelnet: 1-888-486-4722
- ECSI: 1-866-313-3797
- Default Resolution Group: 1-800-621-3115 (defaulted loans only)
If you recognize one of these names from old mail or a bank statement but aren’t sure it’s still yours, confirm on StudentAid.gov before sending money. Contracts shift, and loans move with them.
Find a Private Loan Servicer Through Your Credit Report
Private student loans come from banks, credit unions, and online lenders, so they won’t appear on StudentAid.gov. Your credit report will show them, along with the company currently reporting each account — that company is your servicer.4Consumer Financial Protection Bureau. How Do I Find Out Information About My Student Loans Private lenders report loans to the bureaus even while you’re still in school or in deferment, so the account will appear regardless of your repayment status.
You can pull your report free every week from Equifax, Experian, and TransUnion at AnnualCreditReport.com; the weekly access is permanent.5Federal Trade Commission. You Now Have Permanent Access to Free Weekly Credit Reports Look under “Accounts” or “Tradelines.” Each entry shows the original lender, the company currently reporting the account, the date it opened, and the most recent balance.
Paid-off or discharged loans still appear as closed accounts for up to seven years, with the final servicer’s name attached. That can be useful if you need documentation for taxes or want to confirm a forgiveness discharge posted.
If you know the original lender but not the current servicer, call the lender’s customer service line and ask. Some private lenders service their own loans; others hand off to third parties.
Cross-Check With Your 1098-E and Bank Records
If any entity received $600 or more in student loan interest from you during the year, they were required to send you IRS Form 1098-E, which lists the filer’s name, address, and phone number.6Internal Revenue Service. Instructions for Forms 1098-E and 1098-T When a servicer collects payments on behalf of a lender, it’s the servicer that issues the form. So the name on your 1098-E is the company handling your loan.
Bank records give you an even quicker check. Search your online banking portal for “ACH,” “student loan,” or any of the servicer names above. The merchant line on a recurring payment usually shows the servicer’s name and a partial account number. Old billing emails work the same way — they’ll carry a return address, a website, and a phone number.
Defaulted Federal Loans Go Somewhere Different
If your federal loan is in default, a standard servicer no longer manages it. The Department of Education’s Default Resolution Group takes over instead, handling defaulted Direct Loans, Federal Family Education Loans, Federal Perkins Loans, and certain grant overpayments that were converted to loan obligations.7Federal Student Aid. Debt Resolution You can reach them at 1-800-621-3115 (TTY: 1-877-825-9923) or at myeddebt.ed.gov.8Federal Student Aid. How Do I Contact the Default Resolution Group The loan status listed next to each loan in “My Aid” will tell you whether default applies.
When You Still Cannot Find Your Servicer
If none of the methods above turn up an answer, or if what your servicer shows doesn’t match what you think you owe, the Federal Student Aid Ombudsman Group is a neutral, confidential resource inside the Department of Education for resolving disputes about federal loan balances and account status.9Federal Student Aid. Feedback and Ombudsman You can reach them by:
- Phone: 1-800-433-3243
- Online: the Feedback Center at StudentAid.gov
- Mail: FSA Ombudsman Group, P.O. Box 1854, Monticello, KY 42633
For private loan disputes, including a servicer you can’t identify or one that won’t respond, you can file a complaint with the Consumer Financial Protection Bureau online or by calling 855-411-2372.10Consumer Financial Protection Bureau. Where Can I File a Financial Aid or Student Loan Complaint