Loan servicers: who they are and how to reach them

Servicer	Official website	SAVE notices came from
Aidvantage	aidvantage.studentaid.gov	[email protected]
CRI	cri.studentaid.gov	[email protected]
Edfinancial	edfinancial.studentaid.gov	[email protected] or [email protected]
MOHELA	mohela.studentaid.gov	[email protected]
Nelnet	nelnet.studentaid.gov	[email protected]
ECSI	efpls.ed.gov	—
Default Resolution Group Handles Department-held loans in default. Phone 1-800-621-3115 (Mon–Fri 8 a.m.–10 p.m., Sat 8 a.m.–6 p.m. Eastern). Defaulted accounts are managed at MyEdDebt.ed.gov.	studentaid.gov/default-support/	—

Website list: StudentAid.gov, “Who’s My Student Loan Servicer?”. Email addresses: StudentAid.gov SAVE FAQ. Always reach a servicer through these addresses or your StudentAid.gov account, not through a link in an unexpected message.

When your loans move to a new servicer

• The Department still owns the loans and the terms don’t change.
• Your current servicer tells you about the transfer; the new one sends a welcome letter with its contact details.
• After the welcome letter, send payments to the new servicer and update any bank bill-pay set up for the old one.
• Payments made during the transfer are credited to your account with the new servicer.
• The new servicer’s website may only show history from the date it took over.

Loans the Department doesn’t own

• Commercially held FFEL loans: contact the servicer listed in your StudentAid.gov dashboard.
• Perkins loans not owned by the Department: contact the school that made the loan.

Help is free

StudentAid.gov: you never have to pay a company to enroll in a repayment plan, consolidate or apply for forgiveness. Your servicer does it at no charge.

• Your servicer helps for free: spotting student loan scams→

Not affiliated. Student Loan Clear isn’t connected to any servicer or to the Department of Education.