Student Loans
Student Loans
FedLoan Servicing (PHEAA)
Types of Loans Serviced:
Federal Direct Loans (Subsidized/Unsubsidized)
Federal PLUS Loans (Parent and Graduate)
Federal Consolidation Loans
Forgiveness Programs
Public Service Loan Forgiveness (PSLF)
Teacher Loan Forgiveness
Income-Driven Repayment (IDR) Forgiveness
Contact Information:
Website: myfedloan.org
Phone: 1-800-699-2908
Navient
Types of Loans Serviced:
Federal Direct Loans
Private Loans (through partner lenders)
Federal Family Education Loan Program (FFELP) loans
Forgiveness Programs
Income-Driven Repayment Forgiveness
Navient has exited federal loan servicing but still manages private loans and some FFELP loans.
Borrowers with federal loans may have their loans transferred to other servicers.
Contact Information:
Website: navient.com
Phone: 1-888-272-5543
Nelnet
Types of Loans Serviced:
Federal Direct Loans
Federal Consolidation Loans
Private Loans
Forgiveness Programs
Public Service Loan Forgiveness (PSLF)
Teacher Loan Forgiveness
Income-Driven Repayment Forgiveness
Contact Information:
Website: nelnet.com
Phone: 1-888-486-4722
Great Lakes Educational Loan Services, Inc.
Types of Loans Serviced:
Federal Direct Loans
Federal PLUS Loans (Parent and Graduate)
Federal Consolidation Loans
Forgiveness Programs
Public Service Loan Forgiveness (PSLF)
Teacher Loan Forgiveness
Income-Driven Repayment Forgiveness
Contact Information:
Website: mygreatlakes.org
Phone: 1-800-236-4300
MOHELA (Missouri Higher Education Loan Authority)
Types of Loans Serviced:
Federal Direct Loans
Federal Family Education Loan Program (FFELP) loans
Private Loans
Forgiveness Programs
Public Service Loan Forgiveness (PSLF)
Income-Driven Repayment Forgiveness
Contact Information:
Website: mohela.com
Phone: 1-888-866-4352
Edfinancial
Types of Loans Serviced:
Federal Direct Loans
Federal Consolidation Loans
Forgiveness Programs
Income-Driven Repayment forgiveness
Teacher Loan Forgiveness
Contact Information:
Website: edfinancial.com
Phone: 1-855-337-6884
OSLA (Oklahoma Student Loan Authority)
Types of Loans Serviced:
Federal Direct Loans
FFELP Loans
Forgiveness Programs
Income-Driven Repayment Forgiveness
Teacher Loan Forgiveness
Public Service Loan Forgiveness (PSLF)
Contact Information:
Website: osla.org
Phone: 1-866-264-9762
HESC (Higher Education Services Corporation)
Types of Loans Serviced:
Federal Family Education Loan Program (FFELP) Loans
New York State Student Aid Programs (e.g., TAP)
Forgiveness Programs
Income-Driven Repayment Forgiveness
Teacher Loan Forgiveness
Contact Information:
Website: hescny.gov
Phone: 1-866-991-4372
Granite State Management & Resources
Types of Loans Serviced:
Federal Direct Loans
FFELP Loans
Forgiveness Programs
Income-Driven Repayment Forgiveness
Teacher Loan Forgiveness
Contact Information:
Website: gsmr.org
Phone: 1-888-556-0022
CornerStone
Types of Loans Serviced:
Federal Direct Loans
Federal Consolidation Loans
Forgiveness Programs
Public Service Loan Forgiveness (PSLF)
Teacher Loan Forgiveness
Income-Driven Repayment Forgiveness
Contact Information:
Website: mycornerstoneloan.org
Phone: 1-800-663-1662
General Terms of Federal Student Loans:
- Interest Rates: Fixed rates depending on loan type and when they were disbursed.
- Repayment Plans: Standard, Graduated, Extended, Income-Driven Repayment (IDR) plans like IBR, PAYE, REPAYE.
- Loan Forgiveness: Most servicers handle forgiveness programs such as:
- Public Service Loan Forgiveness (PSLF): Requires 120 qualifying payments while working full-time for a qualifying employer (government or non-profit).
- Income-Driven Repayment Forgiveness: Loan balance forgiven after 20-25 years of qualifying payments under income-driven plans.
- Teacher Loan Forgiveness: For teachers working in low-income schools for five consecutive years.
- Total and Permanent Disability (TPD) Discharge: Forgives loans if a borrower becomes totally and permanently disabled.
Make sure to verify specific terms or program eligibility with your servicer, as they might vary depending on the loan type and when the loan was issued.