Student loan servicers and a plan-change checklist
The company that sends your bill is your servicer. To change your plan, apply at studentaid.gov. Your servicer handles the application and bills the new amount. Once you've found your servicer, use the checklist when you switch.
Loan servicers for federal loans
Federal student loans owned by ED get billing and other services from most of these companies.
| Servicer | Website | Our guide |
|---|---|---|
 Edfinancial | edfinancial.studentaid.gov | |
 MOHELA | mohela.studentaid.gov | Switching at MOHELA |
 Aidvantage | aidvantage.studentaid.gov | |
 Nelnet | nelnet.studentaid.gov | Switching at Nelnet |
| ECSI | efpls.ed.gov | |
| Default Resolution GroupFederal student loans over 360 days delinquent that are in default | studentaid.gov/default-support | |
| CRI | cri.studentaid.gov |
Student loan servicer checklist for a plan change
Print the checklist, then tick off each step along the way.
Sign in at studentaid.gov to see which servicer has your loans.
Get out your most recent tax return. You'll need your AGI plus the way you filed.
On that return, count the dependents you claim.
Figure out what you'll pay under RAP and IBR. That way you know which plan you prefer.
Apply online for the plan on studentaid.gov using the income-driven repayment application, and consent to share your tax data.
Keep an eye out for a letter from your servicer. It processes the change of plan and sets your new monthly amount.
Look over your first new bill. Turn on autopay so your payments stay on time.
When your servicer asks, recertify your income every year so your bill keeps tracking your income.
FedLoan Servicing: what happened to it
Federal loans are no longer serviced by FedLoan Servicing (PHEAA). Borrowers of that company moved to MOHELA, Edfinancial, Aidvantage or Nelnet instead. See which one has your loans on studentaid.gov.
Common questions
Is choosing the best servicer for consolidation up to me?
Your servicer is set by the Department of Education. You don't pick it. You can see which one is yours when you log in.
How can I find out how much I owe in student loans?
Start at studentaid.gov and log in. Your federal loans and the servicer holding them both appear there. Each loan's balance appears on the bill from your servicer.
Do changes to your plan cost anything?
No. Servicer help is free, and never pay an outside company for help with your federal loans.
Sources: Federal Student Aid, servicer updates, Federal Student Aid, loan servicers.