Am I eligible to refinance my student loans?

Commonly Needed Student Loan 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.

Check My Eligibility

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

Learn More About Student Loan Refinancing

Private Student Loan Refinancing Interest Rates

Private Student Loan Refinancing Interest Rates

The interest rate on a private refinance loan is determined by the borrower's or cosigner's credit rating. See the impact of different rates on payments.

Federal Student Loan Consolidation Interest Rates

Federal Student Loan Consolidation Interest Rates

When you consolidate your federal student loans, your interest rate will be roughly the same as your current loans. See an example of the rate calculation.

Pros and Cons of Refinancing Parent Loans

The Pros and Cons of Refinancing Parent PLUS Loans

Many parents take out student loans to pay for a child's college education. Learn about the pros & cons of refinancing Parent PLUS Loans & private loans.

How Student Loan Consolidation Works

How Student Loan Consolidation and Refinancing Works

Wondering what the first steps are in consolidating or refinancing your student loans? Check out these step-by-step instructions on how to get started.

Lending Partners

Interest Rates
  • Fixed as low as 3.25% APR
  • Variable as low as 2.72% APR
Max. Loan Limits Up to $300K
Min. Loan Amount $7,500 Degree Req. Must hold at least a bachelor's degree Repayment Terms 5, 8, 12, or 15  years.
Interest Rates
  • Fixed as low as 5.74% APR1
  • Variable as low as 4.62% APR1
Max. Loan Limits
  • $150K - Undergraduate or Graduate degrees
  • Higher limits may apply for specific fields of study
Min. Loan Amount $5,000 Degree Req. Students with loans from eligible schools may apply. Repayment Terms 10 - 20 years
Interest Rates
  • Fixed rates starting at 3.39% APR
  • Variable rates starting at 2.8% APR
  • Lowest APRs reflect autopay and loyalty discounts where available.
Max. Loan Limits No Maximum
Min. Loan Amount $7,500 No degree required to refinance Repayment Terms 5, 7, 10, 12, 15, 20, +more
Interest Rates
  • Fixed rate range 3.25% – 7.25%1
  • No origination fees
  • No prepayment fees
Max. Loan Limits
  • Consolidate and refinance up to $300,000
Min. Loan Amount $5,0003 Reset Refinance Loan available to both parent and student borrowers. Repayment terms 5 – 20 years
Interest Rates
  • Fixed as low as 3.20% APR
  • Variable as low as 2.48% APR
  • Hybrid loan rates as low as 3.79% APR
  • Lowest APRs offered include an auto-pay discount
Max. Loan Limits Up to $500K
Min. Loan Amount $10,000 Degree Req. Required completion of one of the following degrees at a qualified school:
  • MBA
  • JD
  • MD
  • Engineering
Repayment Terms 5, 10, 15, 20 years
Interest Rates
  • Fixed as low as 3.47% APR
  • Variable as low as 2.41% APR
  • Rates above include auto pay discount
Max. Loan Limits
  • $500K
  • Minimum qualifying credit score is 660 with an eligible cosigner
Min. Loan Amount $5,000 Degree required. Must have graduated from an eligible school. Repayment Terms: 5, 10,15, or 20 years
Interest Rates
  • Fixed from 3.64% - 7.50%
  • Variable from 2.44% - 6.87%
  • Lowest APRs offered include an auto-pay discount
Max. Loan Limits
  • $125K - Undergraduate
  • $250K - Graduate
  • $300K - Medical, Dental, Veterinary
Min. Loan Amount $5,000 Degree Req. Graduated from a LendKey eligible school Repayment Terms 5, 7, 10, 15, and 20 years
Interest Rates
  • Fixed as low as 3.37% APR
  • Variable as low as 2.35% APR
  • Lowest APRs offered include an auto-pay discount
Max. Loan Limits No Maximum
Min. Loan Amount $10,000 Degree Req. Required completion of degree Repayment Terms 5, 7, 10, 15, 20 years
Interest Rates
  • Fixed as low as 3.74% APR
  • Variable as low as 4.00% APR
  • Rates above include 0.25% auto-debit discount
Max. Loan Limits
  • $120K
  • Minimum qualifying credit score is 660 with an eligible cosigner
Min. Loan Amount $10,000 Degree required. Must have graduated from an eligible school. Repayment Terms 5, 10, or 15 years
Interest Rates
  • Fixed rate range: 3.24% – 7.99% APR1
  • Variable as low as 2.49% – 7.24% APR1
  • No application or prepayment fees
Max. Loan Limits
  • Consolidate and refinance up to $300,0003
Min. Loan Amount $5,0003 Degree required. Must have graduated from a public or private, not-for-profit, degree granting institution. Repayment terms 5 – 15 years2
Interest Rates
  • Fixed rate range: 3.44% – 7.19% APR1
  • Variable as low as 2.97% – 6.61% APR1,2
  • No application, origination, or prepayment fees
Max. Loan Limits
  • Consolidate and refinance up to $250,0003
Min. Loan Amount $5,0003 Eligibility Requirements Must be a U.S. citizen or eligible non-citizen. Must not have defaulted on any private or government student loan. Repayment terms 5, 10, 15 & 20 years2
Am I eligible to refinance my student loans?