You will be sending your loan payments to your loan service providers each month. The Department of Education works with a number of federal student loan service providers you can contact for information on:

Repayment of student loans

Deferred payments on student loans

Forbearance of student loan payments

If you have private student loan debt, your servicer and lender are the same. Knowing who your loan service providers are and how to get in touch may be helpful if you have questions about your loans or if you're experiencing difficulty making your loan payments.

If you're not making enough payments on your student loans, visit Credible. You can find prequalified student loan refinancing rates from 10 lenders to see if this alternative can save you money.