Student Loan Servicer Phone Number Directory: Official Contact Routes Before You Call

Quick Answer

Borrowers should call the correct servicer only after confirming loan type and current account assignment. Aidvantage, Edfinancial, and MOHELA publish phone numbers in official source pages; Nelnet's official public site routes federal borrowers to Nelnet.StudentAid.gov.

What Borrowers Should Know

Start here: confirm your servicer

Before calling any student loan phone number, log in to StudentAid.gov and confirm which servicer is currently assigned to each federal loan. Servicer transfers, consolidation, default status, commercially held FFEL loans, Perkins loans, and private loans can all change the right contact route.

This page is not a loan servicer, Federal Student Aid, or the U.S. Department of Education. It is a borrower checklist built around official contact routes.

Verified official phone routes

• Aidvantage lists 800-722-1300 for U.S. Department of Education student loans, with TDD/TTY users directed to 711 and an international number of 001-317-806-0580.
• Edfinancial lists 855-337-6884 and weekday representative availability in Eastern Time.
• MOHELA lists 1-888-866-4352, 636-532-0600 for international calls, TTY by dialing 711, and a PSLF route through 800-4-FEDAID.
• Nelnet's official company site directs federal student loan borrowers to Nelnet.StudentAid.gov and commercially held FFEL borrowers previously serviced by Nelnet to SloanServicing.com.

What to have open before dialing

• StudentAid.gov loan summary.
• Servicer portal balance, due date, interest rate, and repayment plan.
• Recent payments and confirmation numbers.
• Income documentation if asking about income-based repayment.
• Employer records if asking about PSLF.
• Any notice, error message, billing statement, or collection letter involved.

What to write down

Write the date, time, number called, representative name or ID if provided, case number, exact question asked, exact answer given, and next deadline. If the answer affects repayment, forgiveness, default, credit reporting, or tax refund offset, ask for confirmation in writing or through the secure account message center.

Action Checklist

• Log in to StudentAid.gov and confirm loan type, servicer, balance, payment status, and current plan.
• Save screenshots or PDFs before submitting any repayment, consolidation, forgiveness, or complaint form.
• Ask your servicer for written confirmation when the answer affects payment amount, eligibility, or deadlines.
• Recheck official sources on the day you act, especially when rules, dates, or application access may have changed.

Plain-English Example

If a borrower is researching student loan servicer phone number, the practical first step is to write down loan type, servicer, balance, current payment, income, employer type, and the document they are trying to complete. That makes the next servicer call more concrete and reduces the chance of acting on a generic answer that does not fit the loan.

What This Guide Covers

• Confirm your servicer before calling
• Verified phone numbers from official pages
• When a portal is safer than a third-party number
• What to have ready before the call
• What to write down during the call

Common Questions