A loan servicer is a company that the Department of Education assigns to each borrower to handle billing, repayment options and other services for your Direct Loan. To determine where your federal loans are being serviced, please visit http://studentaid.gov.  Servicers that are currently contracted with the Department of Education are:
 
 

Loan Servicer

Contact

ECSI (Direct Loan) https://efpls.ed.gov/

1-866-313-3797

ECSI (Perkins Loan)

1-888-549-3274

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

Default Resolution Group https://myeddebt.ed.gov/

1-800-621-3115

 
 
The Department of Education may need to transfer your loan to a different loan servicer.  If this transfer occurs, your loan will still be owned by the Department of Education - it is just that you will be working with a different agency to make payments, change payment options, etc.
 
Per the studentaid.gov website (https://studentaid.gov/manage-loans/repayment/servicers), if your loan is transferred to a new servicer:
  • You will receive an email or a letter from your assigned servicer to inform you about the transfer.

  • You will receive a welcome letter from the new servicer after the new servicer receives your loans. This notice will provide you with the contact information for the new servicer and inform you of actions that you may need to take.

  • All of your loan information will be transferred from your assigned servicer to your new servicer, but you may only be able to see online information that covers the period since your new servicer took your loans over.

  • There will be no change in the terms of your loans.

  • Your previous loan servicer and new loan servicer will work together to make sure that all payments you make during the transfer process are credited to your loan account with the new servicer.

After you receive the welcome letter from your new servicer, you should do the following:

  • Begin sending your loan payments to your new servicer. If you use a bank or bill paying service to make your loan payments, update the new servicer’s contact information with the bank or bill paying service.

  • Follow the new servicer’s instructions for creating an online account so that you can more easily communicate with the new servicer and keep track of your loan account.

 
FSA Student Loan Ombudsman:  Borrowers can contact the FSA Student Loan Ombudsman if they are experiencing problems or disputes with the loan servicing agency.  This is a free service that may assist you in resolving repayment issues you are having with your federal loan servicer.
 
U.S Department of Education
FSA Ombudsman Group
P.O. Box 1843
Monticello, KY 42633
Phone:  877-557-2575
Fax:  606-396-4821