Department of education student loans customer service

Make a payment, check your balance, or ask a question about an existing loan.

Account links:

Make a payment

Check a balance

Chat with an agent

Monday–Friday: 8 a.m. to 8 p.m. ET

Phone
800-472-5543 (800-4-SALLIE)

International: 877-416-0012 or 302-451-0546 (charges may apply)

Monday–Friday: 8 a.m. to 8 p.m. ET

Payments can be made any time through our automated phone system.

Borrower payment address

Sallie Mae
P.O. Box 8459
Philadelphia, PA 19101-8459

Cosigner payment address

Sallie Mae
P.O. Box 8377
Philadelphia, PA 19101-8377

General Correspondence

Sallie Mae
P.O. Box 3319
Wilmington, DE 19804-4319

Disputed balances

Sallie Mae
P.O. Box 3228
Wilmington, DE 19804-0228

Credit Bureau Reporting Disputes*

Sallie Mae
P.O. Box 3229
Wilmington, DE 19804-0229

*Please provide any supporting documentation/information that will help us investigate your dispute.

Subpeona address

Corporation Service Company
15 West South Temple, Suite 600
Salt Lake City, UT 84101
Subpoena procedures

Important Messages

Department of education student loans customer service

Department of education student loans customer service

Did you have Direct Loans serviced by Granite State Management & Resources? These loans have transferred to Edfinancial Services. Please visit the Edfinancial Services' website at https://edfinancial.com for more information.

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Looking to Contact Customer Support?

Please call 1-800-719-0708.

Did you have Direct Loans serviced by GSM&R?

These loans have transferred to Edfinancial Services. Please visit the Edfinancial Services' website at https://edfinancial.com for more information.

If you have issues with your student loans, you may be able to resolve them by contacting your lender or loan servicer’s complaint department. If your problem is not resolved, you can then try to get help from federal and state advocates and ombudsman, depending on your issue.

  • U.S. Department of Education Student Loan Ombudsman
  • Consumer Financial Protection Bureau (CFPB) Student Loan Ombudsman
  • State Student Loan Ombudsperson or Advocates
  • Guaranty Agency and Lender Assistance

U.S. Department of Education Student Loan Ombudsman

If you have a complaint about problems with your federal student loans or your loan servicer, you can submit a complaint to the Department of Education online here: https://studentaid.gov/feedback-center/login/complaint. You can submit a complaint without logging into your FSA account, but it may take longer for your complaint to be reviewed.

If your complaint is not resolved, or if you have other difficult problems with your federal student loans, you can also contact the Department of Education Student Loan Ombudsman Group. The Ombudsman Group is a neutral, informal, and confidential resource to help you resolve complaints about your federal student loans.

If you already submitted a complaint online, you can log in to your FSA account and request to have the the Ombudsman Group contact you to follow up about your complaint. You can also contact the Ombudsman Group by phone, mail and fax, using the contact information below:

  • Phone
    1-877-557-2575
  • Mail
    U.S. Department of Education
    FSA Ombudsman Group
    P.O. Box 1854
    Monticello, KY 42633
  • Fax
    606-396-4821

For more information about the Ombudsman Group, visit the Department of Education’s website here: https://studentaid.gov/feedback-ombudsman/disputes/prepare#how-contact.

Consumer Financial Protection Bureau (CFPB) Student Loan Ombudsman

If you have complaints about your private student loans, your federal loan servicers, or student loan debt collectors, you can submit complaints to the CFPB. The CFPB has an online form that you can use to tell them about complaints with private student lenders or about servicers and collectors of all types of student loans.  The CFPB website also includes other tools to help borrowers understand their student loan options. If you have additional questions, you can also call the CFPB at 1-855-411-2372.

State Student Loan Ombudsperson or Advocates

Several states across the county have a Student Loan Ombudsperson or Student Loan Advocates. These state officials are a dedicated resource committed to providing information that is critical to many student loan borrowers.

California

Celina Damian, Student Loan Ombudsman

Department of Financial Protection & Innovation

1-(866)-275-2677

https://dfpi.ca.gov/student-loan-servicing-program/student-loans/

Colorado
Kelsey Lesco, Student Loan Ombudsperson
Office of the Attorney General
702-508-6975

coag.gov/resources/studentloans/

District of Columbia
Ricardo Jefferson, Student Loan & Foreclosure Ombudsman
Department of Securities, Insurance & Banking
(202) 727-8000

disb.dc.gov/studentloanhelp

Illinois
Office of the Attorney General

Student Loan Helpline
1-(800)-455-2456
www.illinoisattorneygeneral.gov/

Maine
Stephanie Roux, Student Loan Ombudsman
Bureau of Consumer Credit Protection
(207) 624-8527


www.credit.maine.gov/

Maryland
Student Loan Ombudsman
Office of the Commissioner of Financial Regulation
1-888-784-0136

www.dllr.state.md.us/finance/consumers/frslombud.shtml

Massachusetts

Arwen Talbot, Student Loan Ombudsman

Attorney General’s Office

Student Loan Assistance Unit

1-(888)-830-6277

www.mass.gov/forms/submit-a-student-loan-help-request

Minnesota
Betsy Talbot, Manager
Office of Higher Education
(651) 259-3965

www.ohe.state.mn.us/

New Jersey

N.J. Department of Banking and Insurance

(800)-446-7467

www.state.nj.us/dobi/consumer.htm#banking

www.state.nj.us/dobi/division_consumers/finance/studentloan/index.html 

New York
NYS Department of Financial Services
1-(800) 342-3736

www.dfs.ny.gov/consumers/student_protection

Nevada
Evelyn Castro, Student Loan Ombudsman
Office of Nevada State Treasurer
1-888-477-2667

nvigate.gov/programs/ombudsman/

Oregon

Lane Thompson, Student Loan Ombuds (she/they)

Oregon Division of Financial Regulation

1-888-877-4894

https://dfr.oregon.gov/help/student-loan-help/Pages/index.aspx

Rhode Island

Attorney General’s Office

401-274-4400

https://studentloanrightsri.com/submit-complaint/

https://studentloanrightsri.com/

Virginia
Scott Kemp, Student Loan Advocate
State Council of Higher Education
804-786-2832

www.schev.edu/studentloan

Washington
Stephanie Sampedro, Student Loan Advocate
Student Achievement Council
833-881-0397

www.wsac.wa.gov/

www.studentloaned.wa.gov/

Guaranty Agency and Lender Assistance

Many guaranty agencies and lenders have their own ombudsman or customer service offices. Some of these agencies do not publicize these services very well and you will have to ask to find out whether they exist.

Below is a partial list of guaranty agency and lender resources. If your loan holder is not on this list, you should still check to see if they have an ombudsman or customer advocate unit.  If you do not know which agency is holding your loan, you should also be able to get this information by logging into your account on StudentAid.gov. If you do not yet have an online account, you can create one.

The agencies prefer that you first try to resolve your problem with the representative from their company or from a collection agency that has already contacted you. The ombudsman will get involved if these initial efforts are unsuccessful. You should only call one of these programs if they hold your loan.

    • American Student Assistance

      [Ombudsman inquiries handled by Educational Credit Management Corporation]

      111 South Washington Avenue, Suite 1400  Minneapolis, MN 55401
      Phone: 651-325-3015
      E-mail: 

    • Ascendium Education Group, Inc. & Affiliates

    • Ascendium Education Group, Inc. & Affiliates
      38 Buttonwood Court
      Madison, WI 53718
      Phone: (866) 486-7140
      E-mail: 
    • College Assist/Nelnet Guarantor Solutions

      Regular Mail: P.O. Box 82561 Lincoln, NE 68501-2561
      Phone: (888) 486-4722
      E-mail:

      Since November 1, 2015, College Assist support services have changed from Nelnet Guarantor Solutions to Educational Credit Management Corporation (ECMC).

      111 South Washington Avenue, Suite 1400  Minneapolis, MN 55401
      Phone: 651-325-3015
      E-mail: 

    • Edfinancial Services

      Contact: Misty Hamilton
      120 North Seven Oaks Drive, Knoxville, TN 37922
      Phone: (866) 847-0149, ext. 5304 or (865) 342-5355
      Fax: (865) 692-6341
      Email:

    • EDFUND/CSAC

      The California Student Aid Commission (CSAC) transferred its student loan portfolio, which was serviced by EdFund, to ECMC. 

      111 South Washington Avenue, Suite 1400  Minneapolis, MN 55401
      Phone: 651-325-3015
      E-mail: 

    • Educational Credit Management Corporation (ECMC)

      111 South Washington Avenue, Suite 1400  Minneapolis, MN 55401
      Phone: 651-325-3015
      E-mail: 

    • Finance Authority of Maine (FAME) Ombudsman

      The Finance Authority of Maine (FAME) transferred its student loan portfolio to ECMC. 

      111 South Washington Avenue, Suite 1400  Minneapolis, MN 55401
      Phone: 651-325-3015
      E-mail: 

    • Great Lakes Educational Loan Services, Inc.

      Contact Escalation
      PO Box 7860
      Madison, WI 53707
      Phone: (866) 348-0708
      Fax: (866) 451-1183
      E-mail:

    • Higher Education Student Assistance Authority (HESAA)

      Regular Mail: P.O. Box 549 Trenton, NJ 08625
      Contact: Gregory Foster, Esq., Compliance Officer/Ombudsman
      Phone: (609) 588-3300 ext. 1220
      FAX: (609) 588-2427
      Email:

      OR

      Contact: Rita Larkin, Assistant Compliance Officer/Ombudsman
      Phone: (609) 588-3351
      FAX: (609) 588-2427
      Email:  or 

    • Illinois Student Assistance Commission

      Ombudsman: Sue Kenik
      1755 Lake Cook Road Deerfield, IL 60015
      Phone: (800) 477-4411 x 18633
      Fax: (847) 831-8549
      E-mail:

    • Kentucky Higher Education Assistance Authority

      Ombudsman: Elaine Brumback
      Regular Mail: KHEAA Ombudsman PO Box 798 Frankfort, KY 40602
      Phone: (502) 696-7278 or  (877) 593-6608
      E-mail:

    • Louisiana Office of Student Financial Assistance (LOSFA) Ombudsman

    • [Ombudsman inquiries handled by Educational Credit Management Corporation]

      111 South Washington Avenue, Suite 1400  Minneapolis, MN 55401
      Phone: 651-325-3015
      E-mail: 

    • Michigan Guaranty Agency

      Ombudsman: Tom Trudgeon
      Mail Address: 7285 Parsons Drive, Lansing, MI 48821
      PO Box 30047 Lansing, MI 48909
      Phone: (800) 642-5626 (toll free) or (517) 373-1243
      Fax: (517) 241-0155
      E-mail:

    • MOHELA

      Contact: Gwen Abernathy
      Mail: 633 Spirit Drive Chesterfield, MO 63005-1243
      Phone: (636) 733-3700 ext. 4466
      Fax: (636) 787-2606
      Email:
      Formal request 

    • National Student Loan Program

      NSLP Ombudsman Office
      1300 O Street
      P.O. Box 85207
      Lincoln, NE 68501-2507
      Phone: (800) 735-8778 ext. 6380
      Fax: 402.479.6762
      E-mail: for more information about NSLP Ombudsman.

    • Navient

      Office of the Customer Advocate
      P. O. Box 4200
      Wilkes-Barre, PA 18773-4200
      Email:
      Phone: 888-545-4199 (toll free)
      Website

    • Northwest Education Loan Association (NELA) Ombudsman

      NELA loans were were transferred to Ascendium Education Solutions.

      Ascendium Education Group, Inc. & Affiliates
      38 Buttonwood Court
      Madison, WI 53718
      Phone: (866) 486-7140
      E-mail:

    • NY State Higher Education Services Corporation

      Cori Biviano, Agency Ombudsman
      Regular Mail: 99 Washington Avenue, 13th Floor Albany, NY 12255
      Phone: (518) 408-0004 or (866) 387-6123
      Fax: 518-474-2839
      Email:

    • Oklahoma College Assistance Program (OCAP)

      [Ombudsman inquiries handled by Educational Credit Management Corporation]

      111 South Washington Avenue, Suite 1400  Minneapolis, MN 55401
      Phone: 651-325-3015
      E-mail: 

    • Rhode Island Higher Education Assistance Association (RIHEAA) Ombudsman

      The Rhode Island Higher Education Assistance Association (RIHEAA) transferred its student loan portfolio to ECMC. 

      111 South Washington Avenue, Suite 1400  Minneapolis, MN 55401
      Phone: 651-325-3015
      E-mail: 

    • Sallie Mae

      Office of the Customer Advocate
      P. O. Box 3349
      Wilmington, DE 19804-4349
      Phone: (855) 342-2014
      FAX: (855) 826-1069

      Customer Advocate Unit More information about Sallie Mae Customer Advocate Unit, including how to contact the Unit.

    • Student Loans of North Dakota

      Wally Erhardt, Private Loan Contact
      1200 Memorial Hwy
      Bismarck, ND 58504
      Phone: (701) 328-5654
      E-mail:

    • Trellis Company (formerly Texas Guaranteed Student Loan Corporation)

      Contact: John Seibert
      Trellis Ombudsman
      P.O. Box 83100
      Round Rock, TX 78683-3100
      Phone: (800) 252-9743; ext. 4782 or (512) 219-4782
      Fax: (512) 336-6520
      Email:
      More information about Trellis Company Ombudsman 

    • United Student Aid Funds (USAF) Ombudsman

      USAF loans were transferred to Ascendium Education Solutions, Inc.

      Ascendium Education Group, Inc. & Affiliates
      38 Buttonwood Court
      Madison, WI 53718
      Phone: (866) 486-7140
      E-mail:

    • Utah Higher Education Assistance Authority

      Ombudsman: Michelle Hansen
      Utah Higher Education Assistance Authority
      The Board of Regents Bldg., The Gateway 60 S. 400 West
      Salt Lake City, UT 84101
      Phone: (801) 321-7225
      E-mail:

How do I contact student loans?

For potential students, currently enrolled students, loan borrowers, and families, visit the “Contact Us” page, or contact Federal Student Aid at 1-800-433-3243 or by email at [email protected] to be directed to someone who can help you. Was this page helpful?

Are federal student loans forgiven?

The Public Service Loan Forgiveness (PSLF) program forgives the remaining balance on your federal student loans after 120 payments working full time for federal, state, Tribal, or local government; the military; or a qualifying non-profit.

How do I find out my student loan debt?

StudentAid.gov is the U.S. Department of Education's comprehensive database for all federal student aid information..
Your student loan amounts and balances..
Your loan servicer(s) and their contact information..
Your interest rates..
Your current loan status (in repayment, in default, etc.).

How do I know if I have federal student loans?

Log in to StudentAid.gov using your FSA ID (account username and password) and select "My Aid” under your name. My Aid displays information on all federal loan and grant amounts, outstanding balances, loan statuses, and disbursements.