Many or all companies we feature compensate us. Compensation and editorial research influence how products appear on a page. Student Loans The Complete List of Federal Student Loan Servicers for 2025 Updated Apr 24, 2025 6-min read Expert Approved Expert Approved This article has been reviewed by a Certified Financial Planner™ for accuracy. Written by Catherine Collins Written by Catherine Collins Expertise: Budgeting, Mortgages, Credit, Debt, Personal loans, Small business, Entrepreneurship Learn more about Catherine Collins Reviewed by Gail Urban, CFP® Reviewed by Gail Urban, CFP® Expertise: Investment management, financial planning, financial analysis, estate planning, life insurance, student loan management, debt management, retirement planning, saving for college Gail Urban, CFP®, AAMS®, has been a licensed financial advisor since 2009, specializing in helping individuals. Before personal financial advising, she worked as a business financial manager in several industries for about 25 years. Learn more about Gail Urban, CFP® If you have federal student loans, your servicer is the company that accepts your student loan payment and manages your records. You might be surprised that the federal government contracts this out to private companies and nonprofits. That means you might send your student loan payment to a different company than your friend, family member, or neighbor. Over the past few years, the companies that are federal student loan servicers have changed. That can get confusing, especially if your student loan is transferred to a new one. Below, we’ll explain more about student loan servicers, how to find out which one you have, and a complete list of current servicers in 2025. Table of Contents What are federal student loan servicers? Comprehensive list of all 7 federal student loan servicers in 2025 1. Edfinancial 2. MOHELA 3. Aidvantage 4. Nelnet 5. ECSI 6. CRI 7. Default Resolution Group Recent changes and departures in loan servicing How to identify and contact your loan servicer What are federal student loan servicers? According to the Pew Research Center, millions of borrowers in the United States have outstanding student loans totaling $1.6 trillion. This number is 42% higher than 10 years ago due to the higher cost of college and the larger number of people attending. To manage the payments of millions of people, the federal government awarded government contracts to individual companies responsible for sending monthly billing statements, processing payments, managing income-driven repayment plans, and handling customer service inquiries. Sometimes, these companies change, so here’s the list for 2025. Comprehensive list of all 7 federal student loan servicers in 2025 We’ve seen some changes in student loan servicers over the past few years because some companies did not renew government contracts. Controversies and lawsuits have also affected servicer contracts. Here is a list of every current student loan servicer as of 2025 and more information about them. 1. Edfinancial Learn More Edfinancial is a student loan servicer based in Knoxville, Tennessee, with 30 years of experience in the student loan industry. Edfinancial processes several types of federal direct student loans, including Parent PLUS loans. Services: Edfinancial services Federal Direct Loans and Family Education Loans (FFEL). Contact information: 1-855-337-6884 Website: Edfinancial 2. MOHELA Learn More MOHELA stands for Missouri Higher Education Loan Authority. It’s a nonprofit with 40 years of experience in student loan servicing. MOHELA has processed over 2.58 million borrower payments and gives back to its local community through student scholarships, grants, and community education. However, it’s currently experiencing turmoil as a company. Controversy: According to the fiscal year 2024 Federal Student Aid Annual Report, borrowers complained about MOHELA’s management practices. In 2024, the American Federation of Teachers (AFT) filed a lawsuit against MOHELA, alleging harmful practices. In September 2024, 50 members of Congress asked the Department of Education to terminate its contract with MOHELA. Services: MOHELA services Federal Direct Loans and Family Education Loans (FFEL). Contact information: 1-888-866-4352 Website: MOHELA 3. Aidvantage Learn More Aidvantage is the student loan arm of Maximus. In 2021, all 5.6 million student loan accounts previously held by Navient were transferred to Aidvantage. Maximus is a large company founded in 1975 that offers technology services, health services, and student loan management in addition to its core services. Services: Aidvantage services Federal Direct Loans and Family Education Loans (FFEL). Contact information: 1-800-722-1300 Website: Aidvantage 4. Nelnet Learn More Nelnet is a large company with five different business segments, including financial services, energy services, and communication. Founded in 1996, it is headquartered in Lincoln, Nebraska, but has offices worldwide. As of 2023, it manages $495 billion in Direct Loans for 14.5 million student loan customers. Services: Nelnet services Federal Direct Loans and Family Education Loans (FFEL). Contact information: Phone: 1-888-486-4722 Website: Nelnet 5. ECSI Learn More ECSI is a student loan servicer with over 50 years of experience in the higher education industry. The company is part of Global Payments Inc., which has 24,000 employees worldwide. Controversy: In 2024, ECSI was ordered to pay $3.65 million for a class-action settlement alleging ECSI charged unnecessary fees to student loan borrowers. Services: ECSI services Federal Perkins student loans. Contact information: 1-866-313-3797 Website: ECSI 6. CRI Learn More CRI stands for Central Research Inc. It’s one of the new servicers tapped to manage student loans in 2025. According to the National Consumer Law Center, CRI wasn’t a servicer before, but it has experience as a debt collection agency for federal student loans. CRI manages the smallest amount ($24.3 million) of loans of the servicers on this list. Services: CRI services Federal Direct Loans. Contact information: 1-833-355-4311 Website: CRI 7. Default Resolution Group Learn More If your federal loans are in default, your servicer might change to the Default Resolution Group. This is the Department of Education’s collections arm that offers several loan rehabilitation options if you’re struggling to make your payments. Services: Federal loans in default Contact information: 1-800-621-3115 1-877-825-9923 for the deaf or hard of hearing Default Resolution Group Recent changes and departures in loan servicing For various reasons, the companies contracted to be federal loan servicers change. Here are some recent transitions. Navient Navient was a student loan servicer that was banned from servicing student loans again. The CFPB sued Navient, alleging that it mishandled and misled student borrowers. Starting in 2024, Navient transferred loans to Aidvantage. Great Lakes In 2017, Nelnet announced that it would acquire Great Lakes. By 2023, all Great Lakes student loans transferred to Nelnet. Granite State In 2021, Granite State announced that it would not seek to renew its government contract to service student loans. All Granite State loans were transferred to Edfinancial. Changes to PSLF In July 2024, the Education Dept took over the management of the Public Service Loan Forgiveness (PSLF) program. Previously, individual servicers handled PSLF, but now, PSLF borrowers can track their progress and ask questions about this program with the Education Department. How to identify and contact your loan servicer If you don’t know how to find your student loan servicer, here are two ways to do it: Option 1: Call the Federal Student Aid information center (1-800-433-3243), and ask them to tell you your student loan servicer. Option 2: Visit StudentAid.gov and create or log in to your account. Once you’re logged in to your account, click “My Aid,” and then click “View Details.” Scroll to the bottom of that page, and you should see a list of your loan servicers. Once you know your student loan servicer, you can create an individual account with it. If you have customer service questions, contact your servicer, not the Education Department.