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How to Find Your Student Loan Servicer and Check Every Loan You Have
Short answer: Log in to StudentAid.gov with your FSA ID to see every federal loan, your servicer and your balance. Private loans do not appear there, so check your credit reports and old statements. Knowing your loan types and servicer comes first, because every repayment, forgiveness and default option depends on them.
Find your federal loans and servicer
- Go to StudentAid.gov and log in. If you do not have an FSA ID, create one. It is free.
- Open your dashboard and view your loans and loan details.
- For each loan, note the loan type, balance, interest rate, status and the servicer name and contact details.
- Download or save your loan list for your records.
The Department lists servicer contact details on its servicer page. Servicers have included companies such as MOHELA, Nelnet, Aidvantage and Edfinancial, and your own list may differ. Defaulted loans may be handled by a different office. See student loan default help.
Find your private loans
- Pull your free credit reports from the official site for federal free reports, AnnualCreditReport.com. Private student loans usually appear as education loans.
- Check old statements, emails and school paperwork for the lender name.
- Call the lender to confirm the balance, interest rate and your options.
Private loans follow different rules. Read federal vs private student loans.
What to write down
| Detail | Why it matters |
|---|---|
| Federal or private | Decides which relief options exist |
| Loan type (Direct, FFEL, Perkins, PLUS) | Affects plan, PSLF and consolidation eligibility |
| Servicer or lender | Who you contact and apply through |
| Balance and interest rate | Shows total cost and where to focus |
| Status (current, late, default) | Determines urgency and next steps |
What to do once you know
- Compare plans in 2026 repayment plans and RAP vs IBR.
- If payments are too high, see how to lower student loan payments.
- Think about combining loans only after reading consolidation pros and cons.
- If you work in public service, review PSLF requirements.
Hypothetical example: A borrower logs in and finds six federal loans with two servicers, plus a private loan on their credit report. They list each one, then compare repayment options for the federal loans and call the private lender about hardship choices.
Protect your information
Only log in at the official StudentAid.gov address, and never share your FSA ID. Beware of calls or texts that claim to help find your loans for a fee. See scam warning signs.
Rules change. This guide was reviewed on October 22, 2026 against official sources. Federal student-loan programs, deadlines and court-driven changes can shift quickly, so confirm current details at StudentAid.gov before you act.
Frequently asked questions
Official sources and references
Related guides
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