Simplest Guide Out There To Help Find Your Student Loan Information in 2018

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If you are looking to start taking responsibility for your student loans, you have come to the right place. We’ve got the most straightforward and simple guide to help find your student loan information.

Before going through this guide, it may be helpful to review some basic student loan vocabulary first

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Know the Difference – Federal or Private Loans

If you did not take out student loans on your own, ask your parents who your student loan service providers are. Student loan service providers are the organizations that assist students with loan related tasks. Examples include making payments, receiving bills, and getting questions answered. Federal Student Aid assigned you a loan service provider upon approval for your loans. They also gave you an FSA ID (Federal Student Aid ID) that you need to access your information in the National Student Loan Data System (NSLDS). 

Companies that give out private student loans usually are also the servicers for the loans they give out. Creating a profile on their website should be all you need to do to start managing your private student loans. Give them a call and ask for help with their services if you struggle to navigate their website.

The average student usually has a combination of federal and private student loans. Federal student loans have better rates and terms, but the amount you can receive is limited based on financial need. Private loans are usually less desirable, however, they require background checks for things like credit history, job status etc.

Find Your Student Loan Servicer

As mentioned you can find your student loan federal servicer through the National Student Loan Data System. You will need FSA ID that you received after you applied for student aid by filling out your FAFSA. From there follow these steps:

  • Login to the National Student Loan Data System 
  • Click on financial aid review
  • Click one of the numbers on the left-most side of your loan box
  • Scroll to the bottom of the page. Your loan servicer will be located at the bottom/middle of the screen. It will be one of the possible 11 federal student loan service providers.

Next, you need to build a profile on your student loan servicer’s website. The website layout should be relatively simple and easy to get the hang of and it offers a numbers of benefits. Examples include auto-pay, repayment planners, repayment calculators, and free resources that help you learn about refinancing and deferment options.

Find Your Private Student Loan Servicer

Your private student loan servicer will usually be the same as the company who gave out the student loan. If you don’t know who that is yet, you’ll need to find out to get your loan information. From there it’s up to you to explore their website and features because every providers website is different.

Moving Forward

Once you learn about your servicers, explore their websites and the features they offer to help you better manage your loans. If you get confused by anything on their site, don’t be afraid to give them a call and ask questions. Helping you better manage and find your student loan information is their job.

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