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Remediation Refunds

If you were recently notified that your student loan account was placed into an administrative forbearance for the months of October through December 2023, and you would like to have any payment(s) you made during these months refunded to you, you have 90 calendar days from the date shown on your notification to contact us to request a refund.

Important Updates

News of Note

Explore affordable repayment plans, including the new Saving on a Valuable Education (SAVE) Plan (formerly the REPAYE plan). To learn more about the SAVE plan and other student loan benefits, use the Loan Simulator Tool at StudentAid.gov.


Be on the Lookout for Updates

In Spring 2024, you will see improvements to your experience in managing your federal student loans. Beginning March 11, 2024, we will release updates to the look and feel of our website and you will then need to visit us at our new web address, Edfinancial.StudentAid.gov. Additionally, our emails will now come from .gov email addresses. 

Not sure how many loans you have or who is servicing them? Your student loans may or may not all be with the same servicer, and it's important to find out which companies are servicing your loans.

Visit StudentAid.gov for an overview of all of your federal student loans. You will need your FSA ID to access the information. If you don't have an FSA ID you can request one while you’re on this site.

Finding Your Student Loan Infographic - opens new tab of just the image

Finding Your Student Loans

You may have multiple loans with multiple servicers.

For all Federal Student Loans, use your Federal Student Aid ID (FSA ID) and log in to Studentaid.gov.

Federal student loans can be serviced by one of the following federal student loan servicers:

  • Edfinancial
  • Aidvantage
  • MOHELA
  • Nelnet
  • ECSI
  • Default Resolution Group

For Private Student Loans, you can locate your lenders by going to AnnualCreditReport.com.

Which loan types do you have?

Federal Direct Loan Program (FDLP)

As of July 1, 2010, all federal student loans are funded by the federal government through the Federal Direct Loan Program (FDLP). Loan types include Direct Subsidized, Direct Unsubsidized, Direct Parent PLUS, Direct Graduate Student PLUS (Grad PLUS) loans, and Direct Consolidation loans. These student loans have low interest rates and flexible repayment terms to help students of various economic background gain access to higher education. There are a limited number of organizations designated by the U.S. Department of Education to service these loans.

Federal Family Education Loan Program (FFELP)

FFELP loans were available through private lenders prior to July 1, 2010 (you may have chosen a private lender from a list when you originated your loan) and were guaranteed by the federal government. FFELP loan types include Subsidized and Unsubidized Stafford, Parent PLUS, Grad PLUS, and Consolidation loans. FFELP loans have similar terms and conditions to Direct Loans, but there are some differences in repayment plans, loan forgiveness programs, borrower benefits, and interest rates.

Which loan type(s) do you have?

Federal Direct Loan Program (FDLP):

As of July 1, 2010, all federal student loans are funded by the federal government through the Federal Direct Loan Program (FDLP). Loan types include Direct Subsidized, Direct Unsubsidized, Direct Parent PLUS, Direct Graduate Student PLUS (Grad PLUS) loans, and Direct Consolidation loans. These student loans have low interest rates and flexible repayment terms to help students of various economic backgrounds gain access to higher education. There are a limited number of organizations designated by the U.S. Department of Education to service these loans.

Federal Family Education Loan Program (FFELP):

FFELP loans were available through private lenders prior to July 1, 2010 (you may have chosen a private lender from a list when you originated your loan) and were guaranteed by the federal government. FFELP loan types include Subsidized and Unsubsidized Stafford, Parent PLUS, Grad PLUS, and Consolidation loans. FFELP loans have similar terms and conditions to Direct Loans, but there are some differences in repayment plans, loan forgiveness programs, borrower benefits, and interest rates.

List of current student loan servicers

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