Contacts that can help you resolve your Repayment Problems

If you're having difficulty making your loan payments, your first call should be to your loan servicer, the organization to which you are supposed to send your loan payments. Your loan servicer has trained staff members who can counsel you on your best options. Your school's Financial Aid office can also assist you in making the connection to your Loan Servicer.

Loan Servicer
Most lenders contract with third-party organizations to administer education loans. In this case, your servicer will work with you on behalf of your lender.

Guarantor
If you allow your payments to become seriously past due, another organization that guaranteed your loan will join with your lender or servicer in an effort to resolve your payment problem.

School
In an effort to assist their graduates, many colleges, universities and career schools contact borrowers when they fall behind in their loan payments.

National Student Loan Data System
If you don't know which organization holds or services your loan, you can use this site to find out whom to contact. NSLDS is the U.S. Department of Education's central database for student aid. The site displays information about loan amounts, outstanding balances, loan status, and disbursements.