Who Is My Federal Student Loan Servicer? (Universal Lookup Guide)
The definitive step-by-step lookup process to identify your federal student loan servicer on StudentAid.gov following major portfolio migrations (VSAC, Navient, FedLoan).
Why Millions of Borrowers Do Not Know Their Current Servicer
Between 2021 and 2026, the federal student loan servicing system underwent the most massive operational reorganization in its history. Multiple legacy servicers exited the federal market or transferred accounts:
- VSAC Federal Loans: Transferred all federal servicing to American Education Services (AES) and Trellis in March 2024.
- Navient: Exited federal servicing and transferred 5.6M accounts to Aidvantage.
- FedLoan Servicing (PHEAA): Exited federal Direct Loan servicing, distributing accounts to MOHELA, Nelnet, and Aidvantage.
- Great Lakes Higher Education: Completely absorbed into Nelnet.
The 3-Step Universal Method to Identify Your Servicer on StudentAid.gov
- Log in to StudentAid.gov: Use your verified FSA ID (username and password). If you have forgotten your password, use the account recovery workflow.
- Navigate to Your Dashboard: Click on your name in the upper-right corner and select "My Aid".
- Scroll to the "Loan Breakdown" Section: You will see an itemized list of all federal loans. Click "View Servicer Details" to see the exact company currently managing each loan, their phone number, and mailing address.
Master Directory of Active Federal Loan Servicers
| Servicer Name | Toll-Free Phone | Website Portal |
|---|---|---|
| American Education Services (AES) | 1-800-233-0557 | AES Login Guide |
| Aidvantage | 1-800-722-1300 | Aidvantage Guide |
| Nelnet | 1-888-486-4722 | Nelnet Guide |
| MOHELA | 1-888-866-4352 | MOHELA Guide |
| ECSI | 1-866-313-3797 | efpls.ed.gov |
| Default Resolution Group | 1-800-621-3115 | myeddebt.ed.gov (Defaulted Loans) |
Once you have located your servicer, analyze your repayment options using our Student Loan Repayment Calculator or SAVE Plan Calculator.
Frequently Asked Questions
Can I call Federal Student Aid directly if I cannot log into StudentAid.gov?
Yes. You can contact the Federal Student Aid Information Center (FSAIC) at 1-800-433-3243. Representatives can verify your identity and inform you of your assigned servicer.
What if my credit report lists a servicer that is no longer in business?
Credit bureaus frequently maintain historical tradelines for transferred accounts (marked 'Transferred / Closed') alongside an open active tradeline from your new servicer.
Servicer Directory
Repayment Calculators
Calculate repayment options before contacting your servicer:
• Standard Repayment Calculator • SAVE Discretionary Calculator