Am I eligible to refinance my student loans?

Commonly Needed Contacts

It happens to the best of us…we lose important phone numbers and website or contact information at the times we need them most. But when it comes to keeping up with your student loans, it is critical that you stay in contact with your lender or loan servicer. And if you are considering consolidation or student loan refinancing, you will be asked to indicate the name(s) of the companies where your loans are held. Not to worry. We’ve outlined the contact information for the most common federal loan servicers (the guys who handle the billing and other services on your loan) to help you get on track. So whatever you’re looking for, answers are just a few clicks or a phone call away.

NOTE: If you can't recall which lender or loan servicer holds your loans, you may want to start by going to the National Student Loan Data System (NSLDS). This official, U.S. Department of Education central database contains any and all of the federal Title IV student loans you might have obtained.

Do you also have private student loans, but forgot which lenders they are with?  Pull a free copy of your credit report to see which lenders or loan servicers are listed. If you have college loans you borrowed directly through your school (sometimes referred to as institutional loans), be sure to check with the financial aid office at the college you attended.

U.S. Department of Education

1-800-4FED-AID (1-800-433-3243)

1-334-523-2691 (International)

1-800-730-8913 (Hearing Impaired TTY)

https://studentaidhelp.ed.gov/app/home/site/studentaid (email or chat)

 

Conduent (formerly, XEROX; Affiliated Computer Services, [ACS])

1-877-414-2676

https://www.conduent.com/

https://www.conduent.com/contact-us/

 

CornerStone (UHEAA)

1-800-663-1662

http://www.mycornerstoneloan.org/

https://www.mycornerstoneloan.org/ContactUs

 

FedLoan Servicing (PHEAA)

1-800-699-2908

https://myfedloan.org

https://accountaccess.myfedloan.org/contactUs/index.cfm

 

Granite State - GSM&R

1-888-556-0022

http://www.gsmr.org/

https://www.gsmr.org/abt_contact.asp

 

Great Lakes Educational Loan Services, Inc.

1-800-236-4300

https://www.mygreatlakes.org/

 https://www.mygreatlakes.org/educate/contactUs/home.html

 

EdFinancial/HESC

1-855-337-6884

http://www.edfinancial.com/

https://www.edfinancial.com/contact

 

MOHELA

1-888-866-4352

http://www.mohela.com/

https://www.mohela.com/DL/common/contactUs.aspx

 

Navient

1-888-272-5543 (FFELP Loans)

1-800-722-1300 (Direct Loans)

https://www.navient.com

https://www.navient.com/about/contact-us/

 

Nelnet

1-888-486-4722

https://www.nelnet.com/contact

 

NSLDS

1-800-999-8219

785-838-2141 (without access to 800 numbers)

NSLDS@ed.gov

 

OSLA Servicing

1-866-264-9762

http://www.osla.org/

https://public.osla.org/contact.aspx

 

Debt Management and Collections System

1-800-621-3115

https://www.myeddebt.ed.gov/

https://myeddebt.ed.gov/borrower/contactusSubLinks.action

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Am I eligible to refinance my student loans?