How to Find Your Student Loan Servicer
Your loan servicer is the company that manages your federal student loan account, sends your bills, and processes your payments. If you're not sure who your servicer is, here's how to find out.
What is a loan servicer?
A loan servicer is the company assigned by the U.S. Department of Education to handle the billing and repayment of your federal student loans. Your servicer is your main point of contact for questions about your payment amount, due date, repayment plan options, deferment (a temporary pause on payments), and forbearance (another type of temporary payment pause).
Who may need to check
- Borrowers who haven't made a payment in a while and aren't sure who to contact
- Borrowers whose servicer may have changed during forbearance or plan transitions
- Borrowers who received mail or email from an unfamiliar company about their loans
Step-by-step: find your servicer
Go to "My Aid"
Navigate to the "My Aid" section to see your loan details and servicer information.
Find your servicer name
Your servicer's name and contact information will be listed next to each loan. Common servicers include MOHELA, Aidvantage, Nelnet, and EdFinancial.
Contact your servicer
Call or visit your servicer's website to confirm your payment amount, due date, and repayment plan.
What to check with your servicer
- Your current repayment plan
- Your monthly payment amount
- Your next payment due date
- Whether you're enrolled in auto-pay
- Whether your loan status is active, in forbearance, or in deferment
If someone contacts you claiming to be your servicer and asks for your FSA ID, password, or upfront payment, verify through StudentAid.gov first. See our scams and borrower protection page for more information.
Next steps
- Once you know your servicer and payment details, add your student loan payment to Balance On Hand
- If your payment amount changed, use the payment restart guide to plan ahead
Map your payment into your cash flow
Once you confirm your payment amount and due date with your servicer, add it to Balance On Hand to see how it fits into your paycheck cycle and other bills.
Open Balance On HandOfficial sources
StudentAid.gov — Who Is My Loan Servicer?
Look up your federal student loan servicer and their contact information.
Visit StudentAid.gov → Retrieved 2026-06-28Balance On Hand is a cash-flow planning tool. It is not a lender, loan servicer, or financial advisor. It does not access your student loan account. The information on this page is for general educational purposes only and does not constitute legal, tax, or financial advice. Verify all details through StudentAid.gov or your official loan servicer.
Add your student loan payment to Balance On Hand and see what your next 3 years look like.
Balance On Hand is free to use. Verify your real payment amount and due date through StudentAid.gov or your official loan servicer, then plan the payment in Balance On Hand.