Comprehensive List of Federal Student Loan Servicers (With Contact Info)

If you have federal student loans, your student loan servicer is the company that manages your account on behalf of the U.S. Department of Education. Your servicer handles billing, repayment plans, deferment or forbearance requests, forgiveness programs, and customer support.

Knowing who your servicer is — and how to contact them — is essential for staying on top of your loans and avoiding costly mistakes.

If you’re not sure who services your loans, log in to your account at StudentAid.gov and check the “My Loan Servicers” section on your dashboard. You may have more than one servicer if you have multiple loans.

Federal Student Loan Servicers and Contact Details

Below is a current list of federal student loan servicers, along with their official contact information. This list is designed to be a trusted reference you can return to whenever you need help with your loans.

👉 Related: How to Contact Your Student Loan Servicer →

Aidvantage

What they do:
Aidvantage services federal student loans for the U.S. Department of Education, including billing, repayment plans, and borrower support.

Phone:
800-722-1300
855-284-4879 (alternate)

Fax:
800-848-1949

Email:
collegeserv@aidvantage.com

Mailing Addresses:

• General correspondence:
  Aidvantage – U.S. Department of Education Loan Servicing
  PO Box 9635
  Wilkes-Barre, PA 18773-9635
• Loan payments:
  Aidvantage – U.S. Department of Education Loan Servicing
  PO Box 4450
  Portland, OR 97208-4450

Website:
aidvantage.studentaid.gov

Edfinancial Services

What they do:
Edfinancial services federal student loans and assists borrowers with repayment plans, consolidation, and account management.

Phone:
855-337-6884

Website:
edfinancial.studentaid.gov

Mailing Address:
Mailing addresses vary by loan type. Check your online account or billing statement for the correct address.

MOHELA (Missouri Higher Education Loan Authority)

What they do:
MOHELA is a nonprofit organization that services federal student loans, including income-driven repayment plans and loan forgiveness programs.

Phone (U.S.):
888-866-4352

International:
636-532-0600

TTY:
711

Website:
mohela.studentaid.gov

Nelnet

What they do:
Nelnet is one of the largest federal student loan servicers and manages repayment and borrower support services.

Phone:
888-486-4722

Website:
nelnet.studentaid.gov

ECSI (Educational Computer Systems, Inc.)

What they do:
ECSI services certain federal loans, including some Perkins Loans and specialized loan programs.

Phone:
866-313-3797

Website:
efpls.ed.gov

Central Research, Inc. (CRI)

What they do:
Central Research services federal student loans under contract with the Department of Education.

Phone:
833-355-4311

Website:
cri.studentaid.gov

Default Resolution Group

What they do:
The Default Resolution Group handles defaulted federal student loans and helps borrowers explore rehabilitation, consolidation, or repayment options.

Phone:
800-621-3115

TTY:
877-825-9923

Website:
myeddebt.ed.gov

How to Use This Guide

• Use this list to identify and contact your loan servicer directly.
• Always confirm your assigned servicer by logging into your StudentAid.gov account.
• Keep your contact information updated with your servicer to avoid missed notices or payment issues.
• If your loans are transferred to a new servicer, your new servicer will notify you.

Important Notes for Borrowers

• Some companies that previously serviced federal loans (such as FedLoan Servicing, Navient, or Great Lakes) no longer hold federal contracts.
• If you receive a notice that your loans have been transferred, verify it by logging into your StudentAid.gov account.
• Never pay a third party to “find” your servicer or manage basic federal loan tasks.

👉 Learn: How to Make Extra Payments on Student Loans (Without Wasting Money) →
👉 Read: How to Set Up Student Loan Autopay (and Save 0.25%) →
👉 Related: How to Check Your Student Loan Balance (Federal + Private) →