2025 Student Loan Servicers List: How to Find and Compare Your Loan Servicer

In this guide, we lay out the 2025 student loan servicers list and show you how to find and compare your federal loan servicer. You’ll get a clear look at what servicers do, where to find your account info, and the main players handling most loans today. We keep it simple, with straight talk on switching servicers and tracking transfers.

Key Takeaways

• Student loan servicers act as the middleman for your federal loans, handling payments, repayment plans, and communication with the Department of Education.

• You can locate your servicer through the National Student Loan Data System, by calling the Federal Student Aid Information Center, or by checking your studentaid.gov dashboard.

• The major servicers in 2025 include Nelnet, MOHELA, EdFinancial, and Aidvantage, collectively managing the bulk of federal loan volume.

• When comparing servicers, look at borrower satisfaction ratings, online account features, customer support response times, and records of past transfers.

• If you need to change or update your servicer, submit a request to the Department of Education, update your automatic payment setup, and verify that balances and histories carried over correctly.

Inside The Federal Student Loan Servicing System

Role Of Servicers In Loan Management

Student loan servicers are like the go-between for you and the government when it comes to your federal student loans. They handle the day-to-day stuff so things run smoothly. Think of them as your point of contact for pretty much everything related to your loan after it's been disbursed.

Here's a quick rundown of what they do:

• Process your payments, whether you're paying monthly or throwing extra cash at it.

• Help you figure out the best repayment plan for your situation, including income-driven repayment plans.

• Manage any adjustments you need, like deferments or forbearances, if you're going through a rough patch.

• Answer your questions and guide you through the whole process.

Servicing Contracts And Federal Ownership

Even though these servicers are the ones you talk to and send money to, it's important to remember that the federal government actually owns your student loan. The servicers are essentially contractors hired by the Department of Education to manage the loans. These servicing contracts are a big deal, and the government keeps a close eye on how well these companies are doing. The contracts are re-bid periodically, so the list of servicers can change over time. This system is designed to ensure that borrowers get consistent and reliable service, no matter which company is handling their loan. It's all about making sure your student loan payments are processed correctly and that you have access to the resources you need.

Key Performance And Quality Metrics

So, how does the government make sure these servicers are doing a good job? They use a bunch of metrics to track their performance and quality. These metrics cover things like:

• How quickly they answer your calls.

• How accurately they process your payments.

• How well they help borrowers avoid default.

• Borrower satisfaction scores.

The Department of Education uses these metrics to evaluate the servicers and decide whether to renew their contracts. If a servicer isn't meeting the standards, they could lose their contract. This system is in place to hold servicers accountable and make sure they're providing the best possible service to borrowers. It's all about ensuring that you have a good experience and that your federal student loans are managed effectively.

How To Locate Your Student Loan Servicer

It can be tricky figuring out who exactly is managing your student loans, especially with all the changes happening lately. Lots of folks haven't had to make payments for a while because of the payment pause, and some servicers have stopped managing federal loans. So, your loan might have switched hands without you even realizing it. Don't worry, there are a couple of straightforward ways to find out.

Using The National Student Loan Data System

The National Student Loan Data System (NSLDS) is your go-to resource for all things related to your federal student loans. It's a federal database, so it has the most up-to-date information. Here's how to use it:

• Go to the NSLDS website and click on "Financial Aid Review.

• You'll need to log in using your Federal Student Aid (FSA) ID. If you don't have one, you can create one there. It's pretty simple.

• Once you're logged in, you'll see a summary of all your federal student loans, including who your servicer is. It's all laid out pretty clearly.

Contacting The Federal Student Aid Information Center

If you're having trouble with the NSLDS website or just prefer talking to someone, you can always call the Federal Student Aid Information Center (FSAIC). They can look up your loan information and tell you who your servicer is. Here's the number:

• Call the FSAIC at 1-800-433-3243.

They're usually pretty helpful and can answer other questions about your loans too. Just be prepared to wait on hold for a bit, especially during peak hours.

Reviewing Your studentaid.gov Dashboard

Another easy way to find your loan servicer is by checking your account dashboard on studentaid.gov. This is the official website for federal student aid, and it's a great place to manage your loans. Here's what to do:

1. Log in to your account on studentaid.gov.

2. Scroll down to the "My Loan Servicers" section.

3. You should see a list of your loan servicers there, along with their contact information.

It's a good idea to check this regularly, just to make sure you're always in the loop. Plus, you can find other useful information about your loans on the dashboard, like your balance and interest rate.

Major Student Loan Servicers List For 2025

It's important to know who your loan servicer is. They're your main point of contact for questions about your student loans, repayment options, and more. As of 2025, a few major players handle the bulk of federal student loans. Let's take a look at each one.

Profile Of Nelnet And Its Market Share

Nelnet is one of the biggest student loan servicers out there. They handle a huge chunk of federal student loan debt. They're known for having a pretty user-friendly website and a focus on helping borrowers manage their repayment plans. Nelnet actually got even bigger when they acquired Great Lakes back in 2018. As of late 2023, Nelnet was servicing around $529.3 billion in federal student debt. If you're looking for top student loan lenders with a solid online experience, Nelnet is often a good choice.

Overview Of MOHELA’S Borrower Services

MOHELA, or the Missouri Higher Education Loan Authority, is another big name in the student loan servicing world. They don't just handle regular student loans; they're also the main servicer for the Public Service Loan Forgiveness (PSLF) program. This means if you're working in a qualifying public service job and hoping to get your loans forgiven, you'll likely be dealing with MOHELA. As of late 2023, MOHELA was servicing around $357.3 billion in federal student debt. MOHELA's role in the PSLF program makes them a key servicer for many borrowers.

Highlights Of EdFinancial Support Options

EdFinancial is another major servicer that's been around for a while. They work with borrowers to help them understand their repayment options and manage their accounts. They also took over some accounts from Granite State Management & Resources. As of late 2023, EdFinancial was servicing around $150.8 billion in federal student debt. They provide a range of support options to help borrowers stay on track with their payments.

Introduction To Aidvantage Servicing

Aidvantage is actually the new name for what used to be Navient Federal Education Loans. Navient transferred its federal loan servicing to Aidvantage. Aidvantage is now a major servicer, handling a large portfolio of federal student loans. They also took over accounts from OSLA. As of late 2023, Aidvantage was servicing around $323.6 billion in federal student debt. Aidvantage aims to provide borrowers with the tools and resources they need to successfully manage their student loans.

Criteria For Comparing Student Loan Servicers

Choosing the right student loan servicer can significantly impact your repayment experience. It's not just about who sends you the bill; it's about finding a partner that supports your financial goals. Let's explore the key factors to consider when comparing servicers.

Evaluating Borrower Satisfaction Scores

Borrower satisfaction is a critical indicator of a servicer's effectiveness. While no servicer is perfect, consistently low satisfaction scores can signal potential issues. Look for data from independent surveys or government evaluations. These scores often reflect the servicer's ability to resolve issues, provide clear information, and offer helpful support.

Assessing Online Account Tools

In today's digital age, a user-friendly online portal is a must. Consider these features:

• Ease of Navigation: Is the website easy to use?

• Payment Options: Can you easily make payments, set up autopay, or change payment dates?

• Information Access: Can you quickly access your loan details, payment history, and important documents?

• Mobile Accessibility: Is there a mobile app for on-the-go management?

Measuring Customer Support Responsiveness

When you have questions or encounter problems, timely and helpful customer support is essential. Consider these factors:

• Wait Times: How long does it take to get through to a representative on the phone?

• Communication Channels: Does the servicer offer multiple ways to get in touch, such as phone, email, or chat?

• Knowledge and Helpfulness: Are the representatives knowledgeable and able to resolve your issues effectively?

• Issue Resolution: How effectively does the servicer resolve complaints and disputes?

Reviewing Servicer Transfer Records

Servicer transfers can happen for various reasons, and it's important to understand how these transfers are handled. Look for information on:

• Frequency of Transfers: How often does the servicer transfer loans to other companies?

• Communication During Transfers: How well does the servicer communicate with borrowers during a transfer?

• Data Accuracy: How accurate is the data transferred to the new servicer?

• Impact on Borrowers: What is the overall impact of transfers on borrowers' repayment experience? Understanding loan advice is important.

Steps To Switch Or Update Your Loan Servicer

It's not always possible to just pick a new loan servicer, but there are situations where changes can happen. Understanding the process is key to managing your student loans effectively. Let's break down the steps involved if you find yourself needing to switch or update your servicer.

Submitting A Change Request To The Department

Generally, you can't just request a new servicer because you prefer their website. The Department of Education assigns servicers. However, certain situations, like consolidating your loans, might lead to a change. Consolidation can be a pathway to a different servicer if you choose a new loan with a servicer different from your current one.

Updating Your Automatic Payment Details

If your servicer changes, one of the most important things to do is update your automatic payment information. Don't assume the old information will automatically transfer. You'll need to:

• Log in to your new servicer's website.

• Locate the automatic payment section.

• Enter your bank account details and confirm the setup. This ensures uninterrupted payments and avoids late fees. It's a good idea to keep detailed records of your payments, just in case.

Confirming Account Transfer And Balance Accuracy

When your loan transfers to a new servicer, carefully review everything. This includes:

• Checking your loan balance.

• Verifying the interest rate.

• Confirming your repayment plan.

If anything looks off, contact the new servicer immediately. It's much easier to resolve discrepancies early on. Keep records of all communication. It's also worth noting that the U.S. Department of Education is working to transition some borrowers to new servicers to improve customer support, so keep an eye out for updates about your account.

Essential Contact Details For Servicing Companies

It's really important to know how to get in touch with your loan servicer. Things change, and you don't want to be caught off guard if you need help with your repayment plan or have questions about your account. Here's the lowdown on how to reach the major players.

Nelnet Customer Service And Online Portals

Nelnet is a big name in the student loan world, and they're known for having a pretty solid online setup. Their website is usually the best place to start for most things. You can manage your account, make payments, and see all your loan details there. If you need to talk to someone, they have a customer service line too.

• Website: Check Nelnet's website for FAQs and account access.

• Phone: Find their customer service number on their site.

• Hours: Their call center hours are usually listed online.

MOHELA Phone Lines And Digital Chat

MOHELA, or the Missouri Higher Education Loan Authority, handles a lot of loans, including those for the Public Service Loan Forgiveness (PSLF) program. They have phone lines and sometimes a digital chat option. If you're pursuing PSLF, getting familiar with their contact methods is a good idea.

• Phone: Look up their specific PSLF line if that applies to you.

• Chat: See if they offer live chat on their website.

• Account Access: Make sure you can log in to your MOHELA account.

EdFinancial Support Center Information

EdFinancial is another major servicer. They have a support center that you can reach out to with questions. They also have a website where you can manage your account and find answers to common questions.

• Website: Check their site for FAQs and account management.

• Phone: Find their customer service number on their site.

• Email: See if they offer email support for certain issues.

Aidvantage Email And Web Contact Channels

Aidvantage is a servicer that's been around for a while. They offer different ways to get in touch, including email and a web-based contact form. Their website is a good place to start for basic questions and account management.

• Website: Look for a contact form or FAQ section.

• Email: See if they list an email address for support.

• Account Access: Make sure you can log in to your Aidvantage account.

Understanding Servicer Transfers And What To Expect

It's not uncommon for student loans to be transferred between servicers. This can happen for a variety of reasons, and it's important to understand what to expect during the process. Don't worry, though! The Department of Education still owns your federal loans, even if the servicing changes.

Reasons For Servicing Company Changes

Servicer changes happen for a few reasons. Sometimes, a servicer's contract with the Department of Education ends, and they no longer service federal student loans. Other times, the Department of Education might transfer loans to balance the workload among different servicers or to improve the quality of service for borrowers. For example, with FedLoan Servicing and Navient exiting the federal loan servicing business, many borrowers found themselves with a new servicer.

Impact On Your Repayment History

One of the biggest concerns borrowers have during a transfer is how it will affect their repayment history. The good news is that your loan terms, interest rates, and repayment plan remain the same. However, it's a good idea to download your payment history from your old servicer before the transfer is complete. While your new servicer will have your loan information, having your own records can be helpful for loan management.

Maintaining Payment Records During Transfers

To ensure a smooth transition, here are a few steps you can take:

• Download and save your payment history from your current servicer's website.

• Update your contact information with both your old and new servicers.

• Review your account details on your new servicer's website to ensure everything is accurate.

• If you have automatic payments set up, confirm with your new servicer that they are active and that the correct bank account is linked.

Here's a simple table to illustrate what stays the same and what might need updating:

When your student loan moves to a new company, it can feel confusing. You might not see your info right away. Just check your account and keep paying on time. Head over to Student Loan Coach to book a quick chat for easy advice.

## Conclusion

By now, you know how to check your servicer on studentaid.gov or the NSLDS site and you’ve seen what the major companies offer. Take a moment to jot down which features matter most to you—whether that’s a clear online portal, friendly customer service, or help choosing a repayment plan—and keep copies of every statement and email. Reach out to your servicer at the first sign of trouble so small issues don’t turn into bigger ones. Following these steps will help you pick the loan manager that fits your needs, stay current on payments, and avoid last-minute surprises.

Frequently Asked Questions

How can I find out who my student loan servicer is?

You can log into your account at studentaid.gov and look under “My Loan Servicers.” You may also use the National Student Loan Data System (NSLDS) with your FSA ID or call the Federal Student Aid Information Center at 1-800-433-3243.

What should I do if my loan servicer changes?

You will receive an email or letter when your servicer changes. Your loan terms will not change, but you should keep copies of old payment records and confirm your balance with the new servicer.

Can I choose or switch my federal student loan servicer?

Most borrowers cannot pick their own servicer. The U.S. Department of Education assigns servicers. In rare cases, you may request a change by contacting the department’s loan request line.

How do I compare different loan servicers?

You can compare satisfaction ratings, the quality of online account tools, response times for support calls, and how often they have transferred loans. This information helps you find the most reliable servicer.

How do I update my automatic payment details after switching servicers?

Contact your new servicer directly or update your payment plan on studentaid.gov. Always confirm that your bank information is set up correctly and ask for a confirmation of the change.

What is the best way to contact my loan servicer if I have a question?

Each servicer offers a phone line, email address, and online chat or portal. You can find their contact details on the studentaid.gov dashboard under “My Loan Servicers” or on the company’s official website.