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How to Know If You Have a Federal Student Loan

When I ask a client if he has federal student loans, he will often say, "Yes, they're with Sallie Mae." However, that is not an indicator of whether your student loan is part of a Department of Education program.  Sallie Mae originates and administers many private loans.

The only way to tell for sure is to use the National Student Loan Data System to find out everything you need to know about your loans (if they are federal).  If it is listed there, it is federal. Go to www.fsaid.ed.gov to get a logon ID.

Who Is the Servicer?

There are other indicators as well as to whether you have a federal loan.  If it is called a Stafford or Perkins loan, it is federal.  Same for Parent PLUS and Graduate PLUS.  Also, if the servicer is one of the following (along with Sallie Mae):

  • Aspire
  • Cornerstone Education Loan Services
  • Direct Loan Servicing Center
  • EdFinancial Services
  • EdManage
  • FedLoan Servicing (PHEAA)
  • Granite State Management and Resources
  • Great Lakes Educational Loan Services
  • Mohela
  • Nelnet
  • OSLA Servicing

These companies are under contract with the Department of Education to act as servicers on federal loans.

How Can I Get Help?

If you live in southern New Jersey and would like to consult with me on your loans, please feel free to call my office at 856-432-4113 or contact me through this site to schedule an appointment in my Woodbury office to discuss your case.

If you would like more information about student loans, you can dowload my free book, I Graduated; Now What? A Guide to Dealing with Your Student Loans.

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Steven J. Richardson
Bankruptcy, Collections, Student Loan, DUI and Traffic Court attorney in Woodbury, NJ.