Getting to Know Your Student Loan Servicers

Getting to Know Your Student Loan ServicerWhen you’re faced with repaying your student loans, have you ever asked yourself, “Just who am I dealing with?” or said to yourself, “I don’t know anything about my servicer.” We are so busy that sometimes we don’t have the time to read emails, or maybe we see an email in our inbox and we don’t recognize the name. It’s very easy to just dismiss them as junk mail to be deleted, or in other cases our computers mysteriously move emails to our junk and spam folders—and most of us don’t check those folders very often.

Your student loan servicers are important to know—they handle everything to do with your federal student loans. You’ll send your payments to them, you’ll talk with them when you move or change contact information, and you’ll reach out to them if you need to discuss how to make your payment more manageable. They will also be the ones who communicate with you by phone, email, or letters.

Here's Who You Need to Know

We’ve tried to take the guesswork out of getting to know your servicers by providing some helpful information on each. Getting to know your servicer can make for a positive relationship should you need any assistance going forward with your student loan(s). If you’re not sure who services your loans, be sure to visit to get information about who services the loans and how to reach them.

Below is a list of the loan servicers that handle the majority of student loan accounts:

ACS Lender
PO Box 7051
Utica, NY 13504-7051

Ph 1-800-835-4611
Fax: 1-315-738-2232
M-F 8AM to 11PM (ET)
American Educational Servicers Lender
American Education Services
PO Box 2461
Harrisburg, PA 17105-2461

Ph: 1-800-233-0557
Fax: 1-717-720-3916
M-F 7:30AM to 9PM (ET)
Aspire Resources Inc.
PO Box 65970
West Des Moines, IA 50265-0970
Ph: 1-855-475-3335
Fx: 1-515-471-8180
M-F 7AM to 7:30PM (CST)
P.O. Box 145122
Salt Lake City, UT
Ph: 1-800-663-1662
Fx: 1-801-366-8400
M-Th 6AM to 9PM
F 6AM to 5PM
S 8AM to 12PM (MST)
COSTEP Servicing
P.O. Box 91387
Raleigh, NC 27675-1387
Ph: 1-877-292-8639
Fx: 1-877-292-8873

M-F 8AM to 9PM (ET)
Direct Loan Servicing Center
Direct Loan Servicing Center
Borrower Services Department
PO Box 5609
Greenville, TX 75403-5609
Ph: 1-800-848-0979
Fax: 1-800-848-0984
M-F 8AM to 8:30PM ET
EDGEucation Loans
EDGEucation Loans
P.O. Box 90639
Raleigh, NC 27675-0639
Ph: 1-877-292-7470
Fx: 1-877-292-6845
M-F 8AM to 9PM (ET)
P.O. Box 91388
Raleigh, NC 27675-1388
Ph: 1-855-479-0490
Fx: 1-855-479-0487

M-Th 8AM to 9PM
F 8AM to 5PM (ET)
ESA/Edfinancial Services
P.O. Box 36008
Knoxville, TN 37930-6008
Ph: 1-855-337-6884
Fx: 1-865-692-6348 or

M-Th 8AM to 8PM
F 8:30AM to 6PM (ET)
Fedloan Servicing
Fedloan Servicing
PO Box 69184
Harrisburg, PA 17106-9184

Ph: 800-699-2908
Fax: 1-717-720-1628
M-Th 8AM to 11PM
F 8AM to 9PM (ET)
Granite State Management and Resources
Granite State Management & Resources
PO Box 3420
Concord, NH 03302-3420
Ph: 1-888-556-0022
Fx: 1-603-227-5415
M-F 8AM to 6PM (ET)
Great Lakes Loan Servicer
Great Lakes Borrower Servicing
PO Box 7860
Madison, WI 53707-7860
Ph: 1-800-236-4300
Fax: 1-800-375-5288
M-Th 8AM to 9:45PM
F 8AM to 6:45PM (CT)
KSA Servicing
KSA Servicing
P.O. Box 90759
Raleigh, NC 27675-0759
Ph: 1-877-292-4825
Fx: 1-877-292-6462

M-Th 9AM to 8PM
F 9AM to 5:30PM (ET)
633 Spirit Drive
Chesterfield, MO 63005-1243
Ph: 1-888-866-4352
Fx: 1-866-222-7060
M-Th 8AM to 8PM
F 8AM to 5PM (CT)
nelnet Education Planning and Financing
Nelnet Borrower Servicing
PO Box 82565
Lincoln, NE 68501
Ph: 1-888-463-5638
Fax: 1-866-545-9196
Open 24 hours
Oklahoma Student Loan Authority
OSLA Servicing
525 Central Park Drive, Suite 600
Oklahoma City, OK 73105
Ph: 1-866-264-9762
For additional contact information, log in at Access My Account on the home page.
SallieMae Loan Servicer
Sallie Mae, Inc.
PO Box 9500
Wilkes-Barre, PA 18773-9500
Ph: 1-800-722-1300
M-Th 8AM to 9PM ET
F 8AM to 8PM ET
VSAC Federal Loans
VSAC Federal Loans
PO Box 777
Winooski, VT 05404
Ph: 1-888-932-5626
Fx: 1-802-654-3777


Communicating With Your Servicer

If you do contact your servicer, keep in mind that to protect your personal information they will need to verify your identity each time you call. They will likely ask you for the following information:

  • First and last name
  • Account number or your Social Security Number
  • Date of birth
  • Current address, telephone number and email information

It‘s a good idea to set up an online account with your servicer. On each of the servicer websites, there will be an icon that gives you a starting point to create an online account.

Some questions that are commonly asked of servicers are as follows:

  • How do I make payments online? Can I set them up to be automatic?
  • Are there ways to help lower my interest rate?
  • My payments are too high—are there other payment plans available?
  • What’s the difference between forbearance and deferment?
  • I can’t make my payments? What options do I have?
  • I have loans with too many servicers. Can I consolidate my loans?

Remember, we want to make sure you’re armed with all of the information you need to make it a smooth process when going over account information. Be proactive, find out all you can regarding your student loans, and know that the process can be informative and helpful. Your servicers are there to help with any questions you have and to make it a positive experience.


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