Who is my student loan servicer?

Madeleine Barr
January 23, 2020

Your student loan servicer is the company responsible for managing and collecting your loan, from the first moment you take out debt all the way through the lifetime of your debt repayment. A loan servicer's duties include: 

  • Collecting your student loan payments
  • Keeping track of your student loan balance
  • Helping you switch to the right repayment plan
  • Answering any of your questions about student debt
  • Helping you apply for opportunities like deferment or forbearance if you experience financial hardship

It is important to know which loan servicer you have in order to contact them about your debt, make payments on your student debt, access savings opportunities, and avoid default. It only takes a few minutes to figure it out.

How do I figure out who my servicer is? 

Call the Federal Student Aid Information Center (FSAIC)

One of the easiest ways to figure out who your servicer is is calling the Federal Student Aid Information Center at 1-800-433-3243. They are open Monday-Friday, 8am-11pm ET and Saturday-Sunday, 11am-5pm ET.

To guide you through your call, here are the prompts you should follow:

  • Dial 1-800-433-3243
  • Listen to the prompt, then press 2 for "anything else"
  • Listen to the prompt, then press 2 again for "otherwise"
  • Listen to the prompt, then press 2 again for "anything else"
  • Listen to the prompt, then press 1 for "existing federal student loan"
  • Listen to the prompt, then press 2 for "no/not sure"
  • Listen to the prompt, then press 2 again for "not sure"
  • Listen to the prompt, then say "help with an existing loan"
  • Once you're on the phone with a representative, you can say "I'm calling to figure out who my loan servicer is"

The information you should have on hand to help them find your student loan servicer is: 

  • Full name
  • Date of birth
  • Social security number

Connect to your Federal Student Aid Account through the National Student Loan Data System (NSLDS)

If you'd prefer to find your loan servicer online, you can use this option.

Here are some steps to guide you through: 

  • Visit the link NSLDS.ed.gov
  • Click "Financial Aid Review"
  • Accept the Privacy Confirmation
  • If you already have an NSLDS account, you can log in with your username and password. If you aren't sure if you have one, you can follow the prompts for "Forgot My Username" or "Forgot My Password" to see if an account exists that is associated with your email. If you don't have an FSA ID, you can click the tab "Create an FSA ID".
  • When creating an FSA ID, you will create a username and password and input your full name, date of birth, and social security number. You will also enter information about challenge questions and provide your email address or mobile phone number.
  • Log in to your NSLDS account
  • Accept the disclaimer
  • You should see a list of your loans that looks similar to this: 
The outstanding loan list on NSLDS.
  • Click on the first blue square in the leftmost column to expand information about that loan
  • Once you have clicked that loan, you should see a breakdown of your individual loans that looks like this: 
The display of individual loan information on NSLDS.
  • In the lower right hand corner, under the heading "Contact", you will see your servicer name listed. For instance, in the image below, the service listed is "Great Lakes".
NSLDS lists contact information for your loan servicer.
  • After you have checked the first loan, check each individual loan to make sure that you have the same servicer across all of your loans.
  • Make sure you write down your servicer or servicers, so that you don't forget.

Check your email

Typically, you will receive email correspondence from your servicer when you first borrow your loans. For instance, if you started attending school in the fall of 2019, you should have received an email in the fall of 2019 from your servicer prompting you to set up an account. You can check the list of servicers in the section "Did I pick my servicer?" to see if any of the names look familiar. If you didn't receive any communication, or did not set up an account, we recommend calling or emailing, which are laid out in the instructions above.

Ask your financial aid office

Some schools hold servicer information for their students on file, so you can always send your financial aid office an email to check who your servicer is.

You can use this template: 

Hello Financial Aid Office,
I hope this message finds you well! I'm writing to ask whether you have information about who my loan servicer is so I can start to figure out how to pay down my loans. Let me know if I should supply any additional information, or if there's a time today that would be good for me to call. Thank you in advance! 
Your name

Check your credit report

Student loan servicers can appear on your credit report, though it may appear as an abbreviation of your student loan servicer's name. You should take a look at the list of servicers under "Did I pick my servicer?" to see if any of these names match the student loan information on your credit report.

Did I pick my servicer?

For federal student loans no. For all federal loans, the Department of Education chooses your loan servicer for you. The money lent to you is from the federal government, and your servicer's job is to collect your loan payments in order to return them to the government.

There are nine federal servicers that work with the Department of Education:

For private student loans, you (and possibly your family) selected your servicer from a variety of options, though your school may have recommended a specific private servicer that they typically work with. The money lent to you is from the servicer itself: this means instead of government money, companies like SoFi and Sallie Mae lend out their own money, so they can have less flexibility than federal servicers when it comes to repayment options.  

These are some of the most common private servicers: 

Other private servicers are banks and credit unions, so you may have borrowed a private loan from a financial institution that isn't listed above. You can always email support@piecewise.co if you are confused about whether a company is your servicer.

Can my servicer change?

It's unlikely, but your servicer can change for the following reasons: 

  • You defaulted on your student loan payments, so your loans were transferred to a different servicer
  • The servicer ended its operations
  • The servicer received a downgraded contract from the government, so part of its portfolio was transferred to a different servicer

If your servicer did change, you should have been notified via email, and there will be a record of this change if you utilize any of the resources listed above to find out who your servicer is.

If you have questions about figuring out your servicer or are having difficulty following these instructions, don't hesitate to reach out to support@piecewise.co.

Everyone should have control over their student debt. To deliver on this promise, we’re a free platform that helps everybody pay down their debt. From graduation to payoff, we’re by your side to help at every decision point.

Stay tuned for more, and never hesitate to reach out to support@piecewise.co with questions about your debt.

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