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Home » For Borrowers » Dealing with Student Loan Debt » Repaying Your Loans » Loan Servicers

Loan Servicers

A loan servicer is a company that the loan holder or owner hires to manage your student loans. Your loan servicer handles most aspects of your student loans, including billing, repayment, and tracking your student loan progress. You should have an online account with your loan, so that you can track and manage your student loans easily online. If you do not have an online account, contact your loan servicer to create one.


What can my loan servicer help me with?

If you need help with your student loans, you should contact your loan servicer first to see if they can assist you. Loan servicers will not charge you for any help they offer you. If you have problems with your loan servicer, you may be able to resolve them by filing complaints. 

The customer service agents at your loan servicer can help you with a number of things, including 

  • changing your payment due date, 
  • stopping your automatic payment withdrawals from your bank,
  • getting your loan records and payment history, 
  • enrolling you in an income-driven repayment (IDR) plan to lower your monthly payment amount, 
  • helping you sign up for forbearances to temporarily pause your loan payments, 
  • advising you on loan forgiveness and cancellation options, 
  • stopping collections and getting out of default, and 
  • answering any questions you have about your student loans.

Visit our page on tips for dealing with servicers to get more information on getting help from your loan servicer.

How can I find out who my loan servicer is?

There are a number of student loan servicing companies. Who your loan servicer is depends on if the loan is private or federal and who the loan holder is. Visit our page on finding your student loan servicer for more information.

Loan Servicers

  • Changes Coming to Federal Student Loan Servicers
  • Problems with Servicers
  • Tips for Dealing with Loan Servicers

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