One of the biggest problems of student loan debt—aside from the overwhelming amount millions of people are indebted for—is the lack of information provided before applying for a student loan and after graduating.

Sure, once you graduate, you’ll get a notice in the mail advising you that the clock on your student deferment has started—you are starting your grace period and its time to prepare to make payments. This notice often advises you who your loan servicer is, how to access your account online, and how to contact the service via other means.

But, Who Is My Loan Servicer?

You may notice that the name of the loan servicer is not who provided you with your federal student loan. A loan servicer is the “middleman”—the company that manages your account on behalf of your lender. You pay the loan servicer and they notify the lender that your account is current.

It is also through your loan servicer that you will enroll into your repayment plan, change your repayment plan, request a deferment or a forbearance, and certify for loan forgiveness.

Some of the most common student loan servicers include:

  • FedLoan Servicing (PHEAA)
  • Great Lakes
  • Navient
  • Nelnet

The federal student aid website also has a longer list as well as links to each of the loan servicers.

How to Figure Out Who Your Loan Servicer Is

Maybe you tossed the introductory notice or perhaps your loan changed servicers, or you’ve been making automatic payments and haven’t logged in for a while. Whatever the reason your loan servicer slipped you mind for; you can find out who is servicing your loan.

  1. Visit The Federal Student Aid Website

Go to https://fsaid.ed.gov/npas/index.htm and create your FSA ID.

  1. Then Go To The NSLDS Student Access

Visit https://www.nslds.ed.gov/nslds/nslds_SA/ and click on “Financial Aid Review”—you’ll need the FSA ID you just created. Once you accept the terms you will be guided to the “Aid Summary” page. This page will list your loan types, amounts, and the dates your loans were dispersed.

  1. Click On Blue Numbers

They are located in the column on the left of the “Type of Loan” column. Clicking on them will reveal more specific details about the loan, including who the loan servicer is as well as the mailing address and contact information.