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Official Servicer of Federal Student Aid
Edfinancial Services is a Servicer to Federal Student Aid
You have a network of support to help you succeed with your federal student loan repayment. Find out how Federal Student Aid partners with loan servicers to be here when you need help.
Support You Can Trust
You can visit StudentAid.gov to see a list of our trusted federal student loan servicers, or submit a complaint directly to the FSA Ombudsman.
If you are struggling with your student loans, please fill out this form to get help from the Ombudsman’s Student Loan Assistance Unit.
State of Massachusetts - Ombudsman’s Student Loan Assistance Unit
Explore affordable repayment plans, including the new Saving on a Valuable Education (SAVE) Plan (formerly the REPAYE plan). You can apply right from your online account, and income documentation is currently not required.
To learn more about the SAVE plan and other student loan benefits, please visit StudentAid.gov.
By selecting the Auto Pay option, your payments will be automatically debited each month from your designated checking or savings account. This option allows for convenient and timely payments without the hassle of mailing your payment or remembering to pay online each month.
To register for Auto Pay, log into your online account. If you have never accessed your account online, you will first need to create a username and password.
Edfinancial Services will debit your bank account on your due date or, if your due date falls on a weekend or a holiday, on the first business day after your due date. Your payment will be posted to your student loan account within three to five business days and will be made effective for your due date.
Log into your online account to submit a one-time or recurring payment for your student loan account. You can also sign up for Auto Pay, where your payments will be automatically debited from your designated bank account each month.
Online payments submitted as of 11:59 pm ET are credited the same day. You may also submit an online payment for a date no more than 60 days in the future.
If you make your student loan payments through your bank or another online bill pay service, please ensure your service is updated with the correct account number and payment address. You will be able to find your account number and payment address on your billing statement or by logging into your online account.
Please note that payments sent to Edfinancial Services at the incorrect addresses may be redirected. Redirected payments will NOT post until the payment is received at the correct address. This means that your payment may be posted late.
If you make your payment each month by mailing a check or money order, please make sure your name, account number and correct payment amount is listed. Also, be sure to mail your payment several days prior to your due date to ensure that it is received on time. Your payment will be made effective for the date it was received. Save a stamp and be paper free by considering one of the online or electronic payment methods. You can also register to receive electronic statements and other correspondence through your online account.
Important: To avoid significant delays, it is very important to mail your payments to the correct address. Your payment mailing address may be different, depending on your loan program. Please check your billing statement, log into your online account, or contact us to get the correct payment mailing address for your loans.
Please send all payments with your new account number to:
US Department of Education
P.O. Box 790322
St. Louis, MO 63179-0322
Save time and upload documents through your online account!
You may make a payment by sending a check or money order through the mail. Please see the “Pay by Mail” section on this page or visit our Contact Us page for our payment address.
You can direct payments (including partial payments) to individual loans. In order to direct your payment to an individual loan(s), please include instructions with your payment specifying how you would like the payment allocated.
You may call our toll-free number, which is found on our Contact Us page, and speak with a representative to make your payment during our normal business hours.
If you have co-signed for multiple loans, you may target your payments to a specific loan(s).
Never miss a payment! When you sign up for Auto Pay, your payment is automatically processed from the bank account of your choice. Plus, you could even save 0.25% on your interest rate!
Pay online through your online student loan account. You can also view the latest information about your student loans, explore repayment options, and more!
You can use your bank or another online bill pay service to make payments (make sure they don't charge a fee). They will need your account number and the payment address information.
Prefer to pay by check or money order? You can mail your payment to the address located on your statement. Make sure that your name, account number and correct payment amount is listed.
Call us at 800-337-6884 and make a payment with a Customer Service Representative or 24/7 through our automated phone system.
If you are a co-signer on a loan, you are able to make payments via mail or phone.
We Are Here For You
Representatives are available Monday 8am - 9pm, Tuesday - Wednesday 8am - 8pm, Thursday - Friday 8am - 6pm Eastern Time
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