Locate Loan Servicers

Loan servicers are entity that collects payments on a federal student loan, responds to customer service inquiries, and performs other administrative tasks associated with maintaining a loan on behalf of a loan holder. A federal loan servicer is a loan servicer for the U.S. Department of Education.

National Student Loan Data System (NSDLS)

If you are not sure what kind of loans you have, visit the National Student Loan Database System for Students and select "Financial Aid Review" for a list of all federal loans made to you. Click each individual loan to see who the servicer is for that loan (this is the company that collects payments from you). It is very important to know your servicer. This might be a different company from the original lender. Remember, that system shows only your federal student loans, not your private student loans.

  • Contains all Federal Loans
  • Provide total loan amount
  • Provide total loan Interest

** Interest not paid will be added (capitalized) to the principal amount when grace period ends. PLEASE contact your servicer regarding grace periods. Grace periods may differ.

UTHSC Perkins Loan Servicer

Federal Student Loan Servicer

Loan Exit Counseling PDF icon

Private Loans

  • Private student loans are nonfederal loans, made by a lender such as a bank or credit union.
  • Private student loans cannot be consolidated into a Direct Consolidation Loan.
  • Private student loans can have variable interest rates, some greater than 18%. A variable rate may substantially increase the total amount you repay.
  • The cost of a private student loan will depend on your credit score and other factors.

For more information, visit Federal Student Aid.

Loan Servicers' Websites

Helpful Manage Your Loans section
Aspire Resources Inc.
Simple, concise website
Easy-to-read sample bill
Top 10 Things You Should Know
Helpful explanations of repayment plans, deferment, etc.
Extensive Personal Finance section
Free financial resources including brochures, newsletters, podcasts, etc.
Direct Loan Servicing Center
Simple, concise website
EdFinancial Services
Extensive Direct Loan FAQs
Extensive Direct Loan Transfer FAQs>
Complete list of Direct Loan Forms
Q&A section on a variety of student loan topics
FedLoan Servicing (PHEAA)
Excellent website
Benefits of Paying Ahead
Helpful calculators
Granite State Management and Resources
Manage Your Financial Life section
Monthly webinars on a variety of financial aid topics
Comprehensive resource of calculators
Great Lakes Educational Loan Services, Inc.
Extensive Knowledge Center with information on budgeting, repayment, loan management, credit, etc.
10 Tips to Stay on Top of Your Loan
Sign up for a live webcast or watch on-demand
Simple, concise website
Forbearance Information
Excellent website
LoanAssist App to help manage Nelnet loans via mobile devices
Comprehensive Financial Literacy section
Stages of Student Loan outlines your loan's lifecycle
OSLA Servicing
Useful deferment information
Useful forbearance information
Sallie Mae
10 Tips for Repaying Your Student Loans
Helpful Choosing a Bank section
Summary of Borrower Responsibilities
Information regarding loan consolidation
Helpful Glossary of Education Loan Terms

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Janice Maddox
Literacy Coordinator
One Stop Shop
910 Madison Avenue, Suite 105
Memphis, TN 38163
(901) 448-1601
Email: jmaddox9@uthsc.edu
Skype: janice.maddox3


Christopher Pollard
Literacy Coordinator
910 Madison Avenue, Suite 520
Memphis, TN 38163
(901) 448-2190
Email: mbj846@uthsc.edu