How to Find Your Student Loan Servicer

What is a loan servicer?

A loan servicer is the company assigned by the U.S. Department of Education to handle the billing and repayment of your federal student loans. Federal law Your servicer is your main point of contact for questions about your payment amount, due date, repayment plan options, deferment (a temporary pause on payments), and forbearance (another type of temporary payment pause).

The Department of Education contracts with several companies to service federal student loans. You do not choose your servicer — one is assigned to you. However, your servicer can change over time, especially during major policy transitions. When the SAVE Plan was vacated and millions of borrowers were moved to new plans, many also experienced servicer transfers.

Current federal loan servicers

As of 2026, the following companies service federal student loans under contract with the Department of Education:

• MOHELA — Missouri Higher Education Loan Authority. Also handles Public Service Loan Forgiveness (PSLF) applications. Federal law
• Aidvantage — Operated by Maximus. Took over many loans previously serviced by Navient.
• Nelnet — Services both Direct Loans and FFEL Program loans.
• EdFinancial — Operates under the ECSI brand for some borrowers.
• Default Resolution Group — Handles loans that have entered default status.

Why your servicer may have changed

Loan servicer transfers happen for several reasons. The Department of Education periodically reassigns loan portfolios between servicers, especially when a servicer's contract ends or when a company exits the student loan market. During 2021-2024, several major transfers occurred:

• Navient transferred its federal loan portfolio to Aidvantage
• FedLoan Servicing (PHEAA) transferred PSLF accounts to MOHELA
• Some borrowers were reassigned during the SAVE Plan transition

If you haven't logged in to StudentAid.gov recently, your servicer on record may be different from the last time you checked.

Step-by-step: find your servicer

What to ask your servicer

• Your current repayment plan (Standard, IBR, ICR, PAYE, Graduated, Extended)
• Your monthly payment amount
• Your next payment due date
• Whether you're enrolled in auto-pay (and the 1% rate reduction available through June 2028)
• Whether your loan status is active, in forbearance, or in deferment
• Whether any interest was capitalized during a recent forbearance
• Whether your loans qualify for Public Service Loan Forgiveness (PSLF)

If you can't log in to StudentAid.gov

If you've forgotten your FSA ID or can't access your account, you can recover it at studentaid.gov/fsa-id/sign-in. You'll need your Social Security number, date of birth, and the email address associated with your account. If you still can't access your account, call the Federal Student Aid Information Center at 1-800-433-3243.

If you choose...

If you choose to verify your servicer now:

• You'll know exactly who to call with payment questions
• You can confirm your payment amount and due date before a bill arrives
• You can detect if your servicer changed and update your records
• You reduce your risk of responding to scam communications

If you choose to wait:

• You may miss your first payment if you don't know the due date
• You may respond to a scam that impersonates your servicer
• If your servicer changed, important mail may go to the wrong address
• You lose time to explore lower-payment plan options

Here's what you can do today

1. Log in to StudentAid.gov and look up your current loan servicer.
2. Write down your servicer's name, phone number, and website.
3. Call your servicer to confirm your payment amount and next due date.
4. Once you know your payment details, use Balance On Hand to project how it fits into your cash flow.

Before making a financial decision, understand your cash flow.

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