FedLoan Servicing is one of nine companies that service federal student loans by collecting and tracking payments. It’s also the only servicer that manages Public Service Loan Forgiveness applications. FedLoan is operated by the Pennsylvania Higher Education Assistance Agency, or PHEAA, a nonprofit that provides financial aid services and administers multiple state grant programs. If FedLoan is your student loan servicer, here’s what it can help you do.
- Register for online access to your account. Once you have access you can contact FedLoan, access your monthly billing statements and pay bills.
- Enroll in autopay. FedLoan can deduct your payments automatically from your bank account. Signing up for autopay will reduce your interest by 0.25%.
- Sign up for income-driven repayment. You can request income-driven repayment, which limits your student loan payments to a percentage of your income, by completing a paper form with FedLoan. (You can apply online on studentloans.gov and then recertify your income each year online as well.)
- Process deferment and forbearance requests. FedLoan can help you temporarily stop making payments or reduce your payment amount if you qualify. This helps you stay in good standing to avoid default. But during any periods of deferment or forbearance, interest can continue to build.
- Process monthly payments and extra payments. FedLoan will track and collect your payments. If you want to make additional payments, you can instruct FedLoan(online, by phone or by mail) to apply extra payments to your current balance. Otherwise, it may apply the additional amount to next month’s payment instead.
- Process applications for Public Service Loan Forgiveness. FedLoan is the only federal loan servicer that handles Public Service Loan Forgiveness applications, including processing employment certification forms. You can submit your forms annually and apply for forgiveness once you’ve made 120 qualifying payments while working for an eligible employer.
Your loan servicer is assigned by the U.S. Department of Education when your loan is disbursed to your college for the first time. The name of the company sending you a federal loan bill every month is your servicer. If your loan payments haven’t begun or you’re not sure which company is your servicer, log in to My Federal Student Aid to find out.
Servicers are there to help you, but they may offer choices that are best for the company, not the borrower. That means they can’t change how payments are processed and may not suggest the most beneficial repayment option for you. It’s most important to know your repayment options so you can know the right questions to ask.
Am I stuck with FedLoan until my loans are paid off?
Loans are sometimes transferred from one servicer to another by the Department of Education.
You’ll be notified if this happens, and you’ll manage payments with the new servicer. With the exception of Public Service Loan Forgiveness, all servicers deliver the same options and programs, but customer service may differ from one to another.
Otherwise, you are likely to remain with FedLoan unless you act to switch servicers. Use this tool to find out what might work for you.
How to reach FedLoan customer service
FedLoan contact number: 1-800-699-2908
FedLoan hours of operation: Monday – Friday 8 a.m. – 9 p.m. ET
FedLoan address for loan payments:
Department of Education
P.O. Box 790234
St. Louis, MO 63179-0234
FedLoan address for general correspondence:
P.O. Box 69184
Harrisburg, PA 17106-9184
FedLoan address for consolidation-related inquiries:
FedLoan Consolidation Department
P.O. Box 69186
Harrisburg, PA 17106-9186
FedLoan website: myfedloan.org
FedLoan email: Sign in to your FedLoan account to send an email.
How to complain about FedLoan
If you’re having difficulty with FedLoan that you have been unable to resolve, start by filing a complaint directly with the Pennsylvania Higher Education Assistance Agency’s Office of Consumer Advocacy. It’s FedLoan’s highest customer service office. Call 1-800-213-9827 or send mail to:
Pennsylvania Higher Education Assistance Agency
The Office of Consumer Advocacy
1200 North 7th Street
Harrisburg, PA 17102
If you have credit disputes, you can mail:
FedLoan Servicing Credit
P.O. Box 60610
Harrisburg, PA 17106-0610
If your issue goes unresolved, you can also make complaints about FedLoan to:
- Federal Student Aid Feedback System.
- Your state attorney general’s office.
- Your state consumer protection office.
- Your congressional representative.
Make sure to keep records of conversations you have, including the day, time and customer service representative you spoke with. Keep copies of any letters, bills or emails about your account.
How to settle a dispute with FedLoan
If a complaint doesn’t help, you can contact the Federal Student Aid Ombudsman Group. This method should be used only as a last resort, says the federal student aid office. Complete all information on the Ombudsman Information Checklist before contacting. When you’re ready to reach out, here’s how to get in touch:
By mail: U.S. Department of Education
FSA Ombudsman Group
P.O. Box 1843
Monticello, KY 42633
You can also reach out to a student loan nonprofit such as The Institute of Student Loan Advisors, which provides free dispute resolution.
The nine federal student loan servicers
Learn more about each of the federal loan servicers, including what they can do and how to contact.