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Student Loans Student Loan Repayment

Your Guide to Student Loan Servicers

When you borrow federal student loans, you’re assigned a loan servicer that has contracted with the U.S. Department of Education. For private student loans, lenders usually service their own loans, but may contract with a servicer to handle day-to-day tasks.

To change servicers, you need to refinance or consolidate your loans. In this guide, we’ll explain what loan servicers do, how to stay in touch with your loan servicer, and how to change servicers if you’re unhappy.

What student loan servicers do

Student loan servicers handle the administrative tasks associated with student loan debt. According to the Consumer Financial Protection Bureau, some of these tasks include:

  • Disbursing funds to you and your school after you have been approved for a loan.
  • Keeping track of your loans while you are in school.
  • Processing student loan repayment.
  • Responding to requests for information from borrowers.
  • Accepting applications to change repayment plans and processing changes when you’re eligible to switch to a different repayment option.
  • Accepting applications for deferment and forbearance and taking the steps necessary to pause payments when you qualify.
  • Maintaining a record of your education loans.
  • Ensuring that your loans are administered in compliance with federal rules and regulations. 

Find out more in our guide to student loan repayment.

Student loan servicers directory

You can learn more about federal student loan servicers—and determine which servicer handles your loans—through the National Student Loan Data System (NSLDS). You can also see a list of student loan servicers below. 

American Education Services

  •  Email: Secure email after signing into your account.
  •  Phone number: 800-233-0557
  • Address: Send correspondence to P.O. Box 2461, Harrisburg, PA 17105-2461; send payments to P.O. Box 65093, Baltimore, MD 21264-5093.

AES was first established by the Pennsylvania Higher Education Assistance Agency to service FFEL loans. PHEAA was established in 1963 by the Pennsylvania General Assembly and is now a major federal student aid organization contracted with the Department of Education. 

Great Lakes Educational Loan Services, Inc. 

  • Email: Via website
  • Phone number: 800-236-4300
  • Address: Send correspondence to P.O. Box 7860; Madison, QI 53707-7860; see payment address when you’re logged into your account.

Great Lakes Educational Loan Services, Inc. is an affiliate of Nelnet Diversified Solutions. It provides federal student loan servicing for borrowers who obtained loans from the Department of Education. 


  • Email: Via website
  • Phone number: 800-337-6884
  • Address: Send correspondence to P.O. Box 36008; Knoxville, TN 37930-6008; send payments to P.O.Box 4830, Portland, OR 97208-4830.

Edfinancial is located in Knoxville and has been in the student loan servicing industry for more than 25 years. It provides federal student loan servicing for borrowers.


  • mail: Via website
  • Phone number: 888-866-4352 
  • Address: Send correspondence to 633 Spirit Drive, Chesterfield, MO 63005-1243; see payment address when you’re logged into your account.

Mohela is a student loan servicer with more than 530 employees dedicated to providing support to federal student loan borrowers. 

  • Email: Accessed via help center after logging into your account
  • Phone number: 800-722-1300
  • Address: Send correspondence to P.O. Box 9635, Wilkes-Barre, PA 18773-9635; send payments to P.O. Box 4450, Portland, OR 97208-4450.

Navient has more than 45 years of experience and has serviced more than $300 billion in student loans. More than 12 million customers have their loans serviced by Navient.


  • Email: Via website
  • Phone number: 888-486-4722
  • Address: Send correspondence to P.O. Box 82561, Lincoln, NE 68501-2561; send payments to P.O. Box 2837, Portland, OR 97208-2837.

Nelnet is headquartered in Lincoln, Nebraska, and has more than 2,500 associates who serve customers. Nelnet is not just a loan servicer; it also provides education planning and asset management services. Here is the information for federal student loans serviced by Nelnet:

Oklahoma Student Loan Authority (OSLA Servicing)

  • Email: [email protected]
  • Phone number: 866-264-9762
  • Address: Send correspondence to P.O. Box 18475, Oklahoma City, OK 73154-0475; send payments to P.O. Box 4278, Portland, OR 97208-4278.

OSLA has been servicing loans for more than 40 years but has only recently begun acting as a student loan servicer. It was created by the Oklahoma legislature as a public trust in 1972.

Other student loan servicers

There a few other student loan servicers aside from those listed above. You can find more information about them in our full review:

Best and worst student loan servicers

LendEDU conducted research to determine the best and worst student loan servicers using Consumer Financial Protection Bureau data on complaints. You can see which companies received the most and least complaints in our report on CFPB Student Loan Complaints

Frequently asked questions about student loan servicers