Aspire Servicing Center for Student Loans: Full Guide and FAQs for Borrowers in 2025

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Student loan servicer

Mobile app available
Profits flow back to nonprofit lender

Poor customer service reviews
E-statements not offered for cosigners
No weekend or evening customer support hours

Types of loans serviced	Private & FFEL federal student loans
Repayment methods	Varies by lender
State availability	Varies by lender

Seeing Aspire Servicing Center on your student loan statement can raise questions—especially if you’ve never heard of it before. Aspire isn’t a lender; it’s a third-party loan servicer that handles payments and customer service on behalf of certain lenders and schools. If it’s managing your loan, you’ll need to use Aspire’s platform to make payments, get help, or explore repayment options.

Aspire services both private student loans and a small number of older federal loans, mostly through the now-ended FFEL (Federal Family Education Loan) program. It’s often assigned to borrowers with loans from state-based or regional lenders, including institutions in Iowa, Montana, and other states that contract Aspire for loan servicing.

While Aspire does offer a mobile app and online account management tools, borrower reviews cite glitches, limited support hours, and a lack of transparency—especially for cosigners. If Aspire is your servicer, you’ll want to know what it can do, where it falls short, and how to navigate your repayment options.

What types of loans does Aspire service?

Aspire Servicing Center handles both private student loans and a shrinking share of federal loans—specifically Federal Family Education Loans (FFELs). These federal loans were issued by private lenders but guaranteed by the federal government under a program that ended in 2010. If you have a FFEL loan, your lender may have assigned Aspire to manage billing and repayment on its behalf.

Aspire also services private student loans, but only for certain lenders. One of the most common is ISL Education Lending, a nonprofit lender that operates primarily in Iowa. If you took out a student loan through ISL or a regional credit union or institution in states like Iowa or Montana, Aspire may have been automatically assigned as your loan servicer.

Aspire does not service any Direct Loans, which are the primary form of federal student loans issued today. If you have federal Direct Loans, your servicer will be one of the other companies designated by the Department of Education.

How do I know if Aspire is my servicer?

Most borrowers don’t choose Aspire as their loan servicer—it’s assigned by the lender or institution that issued the loan. If you’ve recently received a letter, email, or bill from Aspire, chances are your loan has been transferred or reassigned to it for servicing.

You can confirm Aspire is your loan servicer by:

Logging into your loan account: Aspire provides a borrower portal at aspireservicingcenter.com where you can view your loan details.
Checking your credit report: Servicers are typically listed as the companies managing your accounts.
Calling your lender: If you’re unsure who originated your loan, your original lender can confirm who currently services it.

Transfers between servicers are common, especially in recent years as lenders and the Department of Education continue reshuffling loan servicing contracts.

Is Aspire a good student loan servicer?

Aspire’s track record is mixed at best. While it offers basic tools like online and mobile account access, borrowers consistently report issues ranging from poor communication to platform glitches and limited support options. Here’s how it stacks up across platforms:

Platform	Rating	Number of Reviews
Apple App Store	4.1 / 5	226
Google Play	3.8 / 5	28
Google Reviews	1.2 / 5	44
Better Business Bureau	1.0 / 5	13

Data collected April 23, 2025

Common complaints include:

Difficulty accessing accounts post-transfer
Technical issues with the mobile app
No weekend or evening customer support
Lack of transparency for cosigners (no access to e-statements)

Aspire’s nonprofit parentage may suggest a mission-driven approach, but that hasn’t translated to better borrower experiences. Like many other servicers, it faces criticism for being difficult to work with and slow to resolve issues.

The complete list of LendEDU-reviewed student loan companies

How has Aspire responded to 2025 policy changes for federal student loans?

Aspire has kept a low public profile in recent years, especially compared to larger servicers that have been active in borrower communications during the federal student loan payment pause and restart.

Aspire does not currently service federal Direct Loans, so it hasn’t been directly involved in the policy changes surrounding the Biden administration’s debt relief plans, IDR account adjustments, or SAVE plan rollout.

However, if you have a FFEL loan serviced by Aspire, you’ve likely felt the effects of this policy turbulence—especially if you’re trying to qualify for Public Service Loan Forgiveness (PSLF) or Income-Driven Repayment (IDR) forgiveness, which generally require consolidation into a Direct Loan.

Aspire’s limited communication around these issues has added to borrower frustration. If you’re unsure how recent changes affect your loan, you may want to speak directly with Aspire or consider consolidating your loan with a new servicer that handles Direct Loans.

How do I pay an Aspire student loan?

Aspire offers several ways to repay your student loans, though payment flexibility is somewhat limited compared to top-tier servicers. Here are your main options:

Autopay from your bank account: Set up recurring monthly payments through your Aspire online account. This is usually the most convenient option and may qualify you for a small interest rate discount.
One-time payments: Make individual payments online, through the mobile app, or over the phone.
Mail: You can send checks to Aspire’s payment address. Make sure to include your loan account number.
Mobile app: The app allows you to manage and schedule payments—including targeting specific loans, which is useful if you want to pay off higher-interest loans first.
Debit card payments: Limited availability. Aspire doesn’t accept credit cards, and debit cards are only accepted through certain ATM networks (e.g., NYCE, PULSE, STAR).

Cosigners, however, are not able to access e-statements or make payments easily, which can be a frustrating limitation.

If Aspire is my servicer, should I refinance?

Student loan refinancing may be worth exploring—especially if:

You’re unhappy with Aspire’s customer service
You want a better interest rate
You’d like a more modern interface or mobile experience

However, refinancing isn’t right for everyone. If you have a FFEL loan, refinancing with a private lender means giving up federal protections like deferment, income-driven repayment plans, and potential forgiveness options. In some cases, consolidating into a Direct Consolidation Loan may be a better alternative, especially if you’re aiming for PSLF or IDR forgiveness.

If you have a private loan serviced by Aspire, refinancing could be a smart move—particularly if you qualify for a lower rate or want to switch to a lender with stronger support and borrower benefits.

Here are some of our top recommendations for private student loan refinancing. Get the full rundown of our top picks on our best student loan refinancing page.

Company	Best for…	Rating (0-5)
5.0 View Rates	Best for Comparison Shopping	5.0 View Rates
4.9 View Rates	Best Online Lender	4.9 View Rates
4.7 View Rates	Best Personalized Support	4.7 View Rates
4.6 View Rates	Best Skip a Payment Benefit	4.6 View Rates

FAQ

If I refinance my student loans, will I still work with Aspire?

Whether you continue working with Aspire depends on the lender you refinance with. If you refinance through a lender that partners with Aspire Servicing Center, Aspire may continue to service your new loan.

However, if you refinance with a lender that uses a different servicer, your loan servicing will be transferred to that new servicer. It’s important to clarify this with your refinancing lender to understand who will manage your loan post-refinance.

Are Aspire student loans eligible for student loan forgiveness?

It depends on the type of loan Aspire services for you. Aspire doesn’t decide whether your loan qualifies—it simply services loans on behalf of your lender.

If Aspire services a Federal Family Education Loan (FFEL), that loan isn’t automatically eligible for programs like Public Service Loan Forgiveness (PSLF) or Income-Driven Repayment (IDR) forgiveness. However, you may be able to consolidate your FFEL loan into a federal Direct Consolidation Loan, which can unlock access to those programs.

If Aspire services a private student loan, it won’t qualify for any federal loan forgiveness.

You can check your loan type and options by visiting the Federal Student Aid website or contacting Aspire directly.

Go to Aspire’s official website at www.aspireservicingcenter.com. If you’ve used Aspire before, click “Log In” in the top-right corner. If not, choose “Create Account” and follow the prompts to register using your loan information.

If you’ve forgotten your username or password, you can use the recovery links on the login page or call Aspire for help.

What is Aspire student loans’ phone number?

You can contact Aspire Servicing Center at 1-800-243-7552. Customer service is available Monday through Friday, 8 a.m. to 6 p.m. Central Time. Aspire does not offer weekend or evening support.