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Locating Student Loans and Loan Servicers

There are several tools that borrowers may use to find a list of all their federal student loans and the servicers on these loans. It is easy for borrowers to lose track of their loans’ servicers, since borrowers may have several loans, each with a different servicer, and the servicers can change periodically.

Information about federal loans, including federal student loans and federal parent loans, may be found using the U.S. Department of Education’s My Federal Student Aid. My Federal Student Aid includes information about all federal student loans and federal grants. Borrowers will need an FSA ID to login to My Federal Student Aid.

For information on the servicer of a Perkins Loan, contact the school that originally made the loan.

Private student loans, along with federal education loans, should be listed on the borrower’s credit report. Consumers may obtain a free copy of their credit reports from each of the major credit bureaus once a year through annualcreditreport.com. Call 1-877-FACT-ACT (1-877-322-8228) for more information.

Federal Direct Loan Servicers
Name Phone Number
CornerStone
1-800-663-1662
FedLoan Servicing (PHEAA)
1-800-699-2908
Granite State - GSMR
1-888-556-0022
Great Lakes Educational Loan Services, Inc.
1-800-236-4300
HESC/Edfinancial 1-855-337-6884
MOHELA
1-888-866-4352
Navient 1-800-722-1300
Nelnet
1-888-486-4722
OSLA Servicing
1-866-264-9762
VSAC Federal Loans 1-888-932-5626
ECSI Federal Perkins Loan Servicer
1-866-313-3797

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In order to qualify for private student loan refinancing, lenders require a strong credit score with proof of income and employment history. In some cases a cosigner may be required. Also, if you have adverse credit history, including a prior student loan default*, you may not be eligible. * Default = 270 days late/missed payment on a federal loan and typically 90 days late/missed payment on a private loan(contact your lender for exact definition of default).

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