Finding Your Loans

Always know how to contact your lender(s). By keeping in touch with your lender, you can track your loans and keep your contact information current.

To identify the lender(s) and servicer(s) of your federal loans, you can access the National Student Loan Data Systems for Students, a central database for federal loans known as NSLDS. All new federally guaranteed loans are made by the federal government. So the "lender" is, in effect, the US Treasury. If you have existing loans from a private lender, NSLDS will have record of that.

Not all loans are serviced by the same organization. If you have multiple loans, it's possible you will have different servicers to whom you make payments. If that's the case, you can seek to consolidate the federal loans. Or if you prefer to not consolidate, you can ask to have all serviced by the same organization so you won't have to be paying multiple servicers each month.

For federal loans, visit the:

National Student Loan Data System

This site is a repository of all of your federal loans, but only your federal loans, and will list the current lender, servicer and the outstanding principal balance (OPB) of the loan. Understand, though, that the information displayed on NSLDS is not real-time data, and due to processing times and only periodic updates, your current loan situation may be different than what is reflected.

In order to review your loan information, you will need to provide the following: your social security number, your date of birth, the first two letters of your last name and the pin number that you use each year to complete your online FAFSA.

If you do not know your pin number, you can request it by visiting the:

Federal Student Aid PIN Web Site

To track private loans that you have borrowed for your education, call your private loan servicer or visit their website.

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