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 National Student Loan Data System (NSLDS). NSLDS includes information about all federal student loans and federal grants. Borrowers will need an FSA ID to login to NSLDS, along with their Social Security number and date of birth.

For information on the servicer of a Perkins Loan, contact the school that originally made the loan.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
FedLoan Servicing (PHEAA)
Granite State - GSMR
Great Lakes Educational Loan Services, Inc.
HESC/Edfinancial 1-855-337-6884
Navient 1-800-722-1300
OSLA Servicing
VSAC Federal Loans 1-888-932-5626
Student Loan Consolidation - Apply Today
Have you been employed for at least 2 years?
Do you currently have a credit score of at least 680?
Have you defaulted on your current loans?*

* 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).