Standing out as possibly the best federal loan servicer, Great Lakes actually offers pretty decent customer service. This gives them a disappointing total of nearly 612 complaints per million customers. It will then show a list of your student loan debt that has been registered with the Department of Education (which includes all federal student loans and some private student loans). About 90% of all federal student loans today are assigned to one of the Big Four servicers, which are Great Lakes, FedLoan Servicing, Navient, and Nelnet. These servicers vary when it comes to customer satisfaction, but the more favored ones seem to be OSLA, Granite State, and HESC. Because you’ll never know which of them will manage your loan, it will help to understand more about them: About 90% of all federal student loans today are assigned to one of the Big Four servicers, which are Great Lakes, FedLoan Servicing, Navient, and Nelnet. Aside from the Big Four, there are also five nonprofit servicers: Cornerstone, Granite State, HESC, MOHELA, and OSLA. The standard 10-year plan is the best way to repay federal loans without incurring additional interest. Once approved, it will assign the student to a servicer. Due to our somewhat limited data, it is difficult to determine exactly which federal student loan servicer is best. Many student loan borrowers complain about false reporting to the credit agencies. The company consistently earns the best reviews out of all the servicing companies. The government hands this job over to federal student loan servicers. The Federal Government has assigned these 9 companies to service federal student loan programs. Notify me of follow-up comments by email. With federal student loans, you can’t pick your loan servicer; one is assigned to you. If you have private loans, check with your lender about available repayment options. To find out the rankings, we looked at the number of complaints that customers registered with the Consumer Financial Protection Bureau for each company compared to the number of customers they have. Despite this, you might only make one or two payments from your bank account for eight loans. You can do this with all federal student loans. Once your request goes through, you won’t have to deal with any student loan servicer anymore — at least not for your federal student loans. We’ll talk more about these options below. Your federal loan servicer can help you with every aspect of student loan customer service. It only received 36 complaints per one million customers last year. However, not all federal student loans qualify for consolidation. This company serves 6,210,000 customers and had 3,800 complaints registered with the CFPB. Student loan debt prevents employees from saving for retirement. Next on our list, we have American Education Services (AES) which is operated by the Pennsylvania Higher Education Assistance Agency (PHEAA). Once assigned, the servicing company will take charge in managing payments, providing options, and giving overall support for the student loan holder. This money is spread across 45 million borrowers who hold an average loan amount of nearly $30,000. 9 Best Federal Loan Servicers. I'll... Is WhiteRockLoans.com legit and safe? We are your student loan servicer and we have one goal: to help you successfully repay your loans. Personal Finance Wiki: 5 Smart Ways to Improve Your Financial Health. If you’re interested in checking rates, try a company like Earnest or Credible to see what they will offer you. If you are considering this option, be sure to do ample research and call the private lender if necessary. If you’re unhappy with the loan servicer you have, there are only three ways to get a new one: 1. Navient. The CFPB and five state attorneys general all filed lawsuits against Navient at various points in 2017 and 2018. They are accusing Navient of: Navient maintains that the lawsuits cite new servicing standards being applied retroactively and they are not at fault. Then you'll love this article. Unfortunately, three of these servicers are also among the most hated according to complaint statistics. What You Should Know About Federal Student Loan Servicing. Reddit Pretty impressive! Private student loan refinancing allows you to choose your lender and associated servicer. It’s an option that lowers the monthly payments but extends the loan term. White Rock Loans Review 2021: Scam or Legit? Meanwhile, a servicer is a private company tapped by the US government to manage the existing student loans of students. Here is an insightful guide on all... Millennial student debt is one of the most likely things to hold you back in life. There’s not really such a thing as the “best federal student loan servicer,” but … However, this will also require you to pay bigger interest over time. All Rights Reserved. Need to make 20 dollars fast? OSLA Servicing. We rank the best student loan servicers so you know which student loan servicer is best and which one is not in 2020. One of the big downsides to federal loans is dealing with these servicers. Your email address will not be published. Being assigned to Great Lakes will not be the perfect experience, either. The government provides the education loan when you apply for federal student aid, but they don’t deal with the loan afterward. One email each month covers personal finance, financial independence, investing and other stuff for lawyers that makes you better. But this app really pays you for playing new games with cash rewards. These are a few of the best ways to make extra money so that you can earn $20 fast... Are you looking for easy websites to make money or ways to make money fast outside of your job? We will review this loan lender, White Rock Loans, to see if you should trust them or not. And not all student loan service companies are alike. The numbers are quite impressive compared to the others on our list, as you’ll see. I was in your exact position 2 years ago and even though I was working at Federal Student Aid, the student loan repayment process had me overwhelmed. That can be helpful if you have the opportunity to choose a company—when you’re consolidating federal loans, for instance—and you’re looking for the best student loan servicer … FedLoan Servicing (PHEAA) Granite State - GSMR. When you're in the Student Aid portal, you want to look for the "MyAid" tab, which will show you all of your loans and loan servicers. If you’re not pursuing forgiveness, then refinancing probably makes more sense. We can see that OSLA has the fewest complaints, but we don’t know their total number of borrowers. Figuring Out Who Your Student Loan Servicer Is. You can check with the college you are enrolling in, state and federal agencies, foundations, religious and education groups, or even your parents’ employers for opportunities. When you're choosing your servicer, you can read reviews and consumer complaints to find the best one for you. Thankfully, it’s not all that difficult of a task to manage. Contact your loan servicer to discuss your options and choose a federal student loan repayment plan that’s best for you. The information materials and opinions contained on this website are for general information purposes only, are not intended to constitute legal or other professional advice and should not be relied on or treated as a substitute for specific advice relevant to particular circumstances. Earn up to $50 per survey with one of the highest-paying survey sites on the web. Nope. Student loan refinancing will get rid of your less-than-stellar servicer altogether and potentially lower your interest rate or get other better loan terms, saving money in the long-term. Navient, FedLoan Servicing, and Nelnet received 1,027 complaints per million serviced accounts during the previous year. Most scholarships are merit-based or by achieving specific academic standards, while some are based on financial necessity. According to the numbers we looked at, AES is trailing Nelnet by quite a bit. Saving thousands of dollars on your student loan debt seems ideal, and that's just what CommonBond promises. Nelnet will service your request, as it’s the only federal student loan servicer that processes disability discharge applications. Most people with student loans have more than one loan since you have to reapply for a new loan for each semester that you need one. Some customers also complained that they received conflicting information about an issue directly from the company itself. Joshua Holt A practicing private equity M&A lawyer and the creator of Biglaw Investor, Josh couldn’t find a place where lawyers were talking about money, so he created it himself. MOHELA. It's important to note, when dealing with them, you are most likely speaking to a low-wage call center worker that has no vested interest in your well being or your financial security. Follow along, step-by-step, as we walk budgeting beginners through the process of budgeting. Truebill delivers on its promise to save you money effortlessly. Nelnet In general, customers have good things to say about Great Lakes’ customer service. The student should then remain in constant communication with his federal loan servicer to work with him in providing servicing plans, helping in loan consolidation, and assisting in different tasks related to the loan. Some customers complain that nothing seems to be resolved when dealing with Nelnet’s customer service and representatives don’t seem to know what they’re talking about. Nelnet comes next. If you want to learn how to get in contact with your student loan servicer, you can see this post here. This leaves them significantly worse than Great Lakes with 103 complaints per million customers. However, doing this means that you give up your federal student loan protections. The PHEAA also operates another large loan servicing agency, FedLoan Servicing, which some consider to offer the worst customer service of the lot, though it has its contenders. CommonBond Review: Is CommonBond Legit for Refinancing Student Loans? One of my first questions was: Why am I receiving federal … The main theme among AES customer complaints seems to be poor and even false communication. But switching federal student loan servicers usually means you go from bad to mediocre at best. Remember, the repayment plans discussed here are for federal loans only. With a Direct Consolidation Loan for federal loans, you'll choose your consolidation servicer. Great Lakes Educational Loan Services, Inc. HESC/Edfinancial. Don't subscribe There are only two ways to get rid of your servicer or switch to a different one yourself. Only time will tell about how the lawsuit turns out, but regardless, we suggest staying away from Navient if at all possible. Saving thousands of dollars on your student loan debt seems ideal, and that's just what SoFi promises. Education Loan Finance, also known as ELFI, is a national student loan refinancing program for federal and private student loans from Tennessee-based SouthEast Bank. Unfortunately, the Department of Education makes it very clear that borrowers do not get to select their loan servicer. © Copyright 2020 Student Loans Advice. Nelnet scores the best on loan performance, but sits in the middle of the pack on the satisfaction surveys. With... Are you interested in downloading the best money making apps that pay you real money? We’re ensuring thousands of borrowers are making educated financing choices and putting themselves in the best position to repay their student loans. Is it legit, though? Remember how we mentioned that most people have multiple student loans? You may have seen news about the Navient lawsuit, and that they are facing six lawsuits alleging illegally cheating borrowers out of repayment rights through shortcuts and deception. if you’re pursuing income-based repayment or Public Service Loan Forgiveness (PSLF)). There are only a handful of student loan servicers to choose from and you don’t even get to pick anyway. Well, customers generally like the Great Lakes website. The numbers are quite impressive compared to the others on our list, as you’ll see. However, as far as the other servicers are concerned, Great Lakes is your best bet for a service provider in the country. Consolidation – This will allow you to apply for a new student loan and combine it with your existing credit. The student can be appointed to any of the existing servicer companies in the United States. Here is how debt is holding you back,... That moment at the end of your senior year, when the caps are thrown in the air is such a moment of pride. What’s worse, they don’t really care to do anything about improving it. They provide service to the most customers, 8,090,000, … The student loan servicers handle the transfer of your account, though it won’t affect your student loan terms. Better yet, if you join today, A Look at How Millennial Student Debt is Holding You Back, Top Reasons Parents are Struggling with Parent PLUS Loan Repayment, 9 Best Money Making Websites That Pay You Cash. Some people get confused and use these two terms interchangeably, when, in fact, these are two different entities related to federal loans. So you took out a federal student loan and now it’s time to pay it back. All Successful financial management cannot be achieved right away—it takes constant self-control to make paying off your loan a priority. Unfortunately, the federal government does not allow students to choose their own loan servicers, or the companies responsible in managing the students’ loans. Once a student applies for a federal loan, he will immediately be assigned to a private loan servicer. Federal loan servicing only has a few service providers, which could be part of the issue at hand. From there, we extrapolated the number of complaints per million customers to create a fair metric by which to compare the companies. Servicers also offer a variety of repayment options to make it easier to repay your student loans if you’re having trouble making your monthly payments. For example, to request forbearance, instead of calling up the customer service line and waiting on hold, you can sign up online and they don’t give you much hassle about proving your need. Never treat your credit as a liability, but rather an investment for your education. Unfortunately, three of these servicers are also among the most hated according to complaint statistics. Undergraduate, graduate and parent loans can be refinanced, as well as loans for MBA programs, and for law, dental and medical school. If you are an incoming college freshman and you want to get a federal student loan, you better be ready and know the possible loan servicers that may be assigned to you. Upon realizing the power of being financially literate, AJ promised to share her knowledge through informative and educational content. This investing app lets you trade stocks and do everything for free and takes no fees — ever. This is the company you make your student loan payments to. Keep in mind that Nelnet is a large company and services millions of student loans. These include: I hope this article has been insightful for you. However, the company should be making every effort to properly train all its employees. The federal government? Borrowers can find their federal loan servicer by logging into your dashboard at StudentAid.gov. For that reason, you likely don’t want to consolidate your federal student loans. you can get a free stock like Apple, Ford, or Sprint when you join (must complete signup). Most of that attention is rightly... Life would have been so easy if there was a personal finance wiki or magic formula to control the money flow and decide on... Learning how to budget in college shouldn't be hard. Better yet, if you join. The first thing you need to do is register your FSA ID if you haven’t logged in to a Federal … Of the four companies we examined (and quite possibly ALL student loan servicers), Navient comes in dead last. During this process, you can pick out which loan servicer you want to use. If you are fed up with the federal loan servicer assigned to you, you have the option to get another servicer. Navient may be guilty of more than just bad customer service. This is a big issue as it can negatively affect your credit score, potentially by a lot depending on the error. Looking for the best private student loans? If you think you can’t handle federal student loans, you can always consider getting a scholarship. For now, let’s look at how 4 student loan servicers stack up. Here's how the 9 companies rank from worst to best. This involves taking out private student loans to pay off your government ones. Americans hold an astonishing $1.56 trillion in student loan debt. You’re assigned a servicer by the U.S. Department of Education when you take out your loan. Sallie Mae ranks the worst in borrower, school, and federal personnel satisfaction. The good news is that there are few tricks that are available to get loans transferred from one servicer to another. Looking for a legit CommonBond review? Consolidate your federal loans with a Direct Consolidation Loan or refinance your federal student loans with private loans. Standing out as possibly the best federal loan servicer, Great Lakes actually offers pretty decent customer service. Former student loan servicers. Some customers blame servicers when, in fact, it was entirely their fault that they failed to stay updated with their debts. Although, in such a large company it’s not uncommon to get the wires crossed on occasion. SoFi is a modern finance... Laurel Road Review | Laurel Road promises they can save you thousands of dollars by refinancing your student loan debt. Federal direct student loans are the best option for students who need ... you must contact your loan servicer. Let’s find out more about them here. If you’ve... Millennials’ interest, and their perceived lack of interest in homebuying, has drawn many headlines over the last few years. Saving thousands of dollars on your student loan debt seems ideal, and that's just what LendKey promises. You can use it to lower your bills, cancel unwanted subscriptions and bill negotiations. They say it’s user-friendly and makes some tasks much easier. We are helping to transform the $1.6 trillion dollar student loan debt problem by showing you real rates from America’s community lenders. The list of Federal Loan Servicers is given here. If you already have federal student loans in repayment, it is likely that the contractor you interact with under the new system will be different than your current loan servicer or servicers. Your email address will not be published. This program has been rife with problems since … To make matters worse, customers claim that the customer service department at AES has been less than helpful when trying to resolve the issues. This is because your loan servicer takes your monthly payments and distributes them between your different loans. It will take discipline maintaining a good relationship with money, so you can dictate what it can do for you, and not the other way around. As we mentioned earlier, there are only two ways to change up your loan servicer. They provide service to the most customers, 8,090,000, … She’s been working in the banking and insurance industry for seven years. They provide service to the most customers, 8,090,000, and have the least number of registered complaints, 235. We’ve already established that none of the student loan servicers do a fantastic job, but some are better than others. Out of their 6,150,000 customers, 635 filed complaints with the CFPB. Two companies you may have heard of are no longer servicing federal student loans: Aspire Loan Servicing was awarded a contract as a student loan servicer in 2012 but exited the servicing business in 2015.; Conduent Education ceased servicing federal loans as of Sept. 1, 2019, and all loans that were administered by Conduent have moved to other servicers. Below are some of the most popular loan servicers for student loans. There is bound to be a bit of confusion here and there and even miscommunication. If you’re not on top of things, you may not even know who your student loan servicer is. The lender is the entity responsible for providing the credit to the applicant to be used for higher education fees. CornerStone. If you’re not happy with Great Lakes as your student loan servicer, you’re kind of out of luck. Who handles all these loans? So what if you’re stuck with the worst of the worst? Standing out as possibly the best federal loan servicer, Great Lakes actually offers pretty decent customer service. Is it legit, though? Student Loans Advice can help you manage your student loans smarter and earn more money to pay them off. To protect yourself from fees due to miscommunications, be sure to do your own research as well as save any correspondence with the company. Your Student Loan Can Be Transferred to a New Servicer . Trick #1: Federal Loan Consolidation Required fields are marked *. Although there's not much you can do to control your servicer, some are much worse than others. Though you don’t have a lot of freedom to choose your student loan servicer, it’s good to know your options. Though Nelnet is doing significantly better than the other two federal loan servicers we’ll talk about, their customer service still leaves something to be desired. COVID-19 Student Loan Relief Federal student loan flexibilities for the COVID-19 emergency have been extended through Jan. 31, 2021. Is there a way to switch to the best of the bad? It’s even possible that they have more than one servicer, meaning they have to make more than one payment each month. Regardless, refinancing through a private lender is one of the only ways to change your servicer. .Which federal student loan servicer is the best to consolidate student loans? Funding your education using student loans can be pretty useful. The problem with taking our a new Direct Consolidation Loan is that you’ll reset any payments you’ve made with respect to student loan forgiveness (e.g. This gives them an overall total of 28.8 complaints per million. That job is handed over to a loan servicer. This investing app lets you trade stocks and do everything for free and takes no fees — ever. You can pay off all your smaller loans with one large Direct Consolidation Loan. None of those reasons include you requesting a different one. Loan servicers act as an intermediary between you and the federal student loan program that helped you pay for school. Earning money by playing games on your phone sounds like a dream. There are a few reasons why the Department of Education may reassign you to a different servicer. How Are Millennial Homebuyers Saving To Buy Their First Home? As is often the case when an organization doesn’t have to vie for your business, customer service is poor and management is haphazard. With 7,999,000 customers, they have 1,883 complaints, which leaves them with 235 complaints per million customers. He is always negotiating better student loan refinancing bonuses for readers of the site or finding honest companies that provide student loan advice for a fair price. FedLoan is one of the largest student loan servicing companies, and they handle ALL Public Service Loan Forgiveness applications. AJ Balois is a Content Manager at BPI-Philam, a bancassurance company, based in the Philippines. The numbers are quite impressive compared to the others on our list, as you’ll see. Replies to my comments Deferment or forbearance during a time of financial hardship (although most private loan companies offer some sort of deferment or financial difficulty options). The Biglaw Investor is helping thousands of lawyers manage and eliminate student loans and make great investment decisions. Getting a federal student loan is a must for most college students. Laurel Road Review: Is Laurel Road Safe and Legit? Aside from the fact that it offers low-interest rates, the payment options are also more flexible and manageable. It’s also fairly common for borrowers to see federal or private student loans transferred to a new servicer at any point after disbursement, including in repayment. Higher Education Services Corporation (HESC) or EdFinancial Services, Utah System of Higher Education/Cornerstone, Higher Education Loan Authority of the State of Missouri (MOHELA), maintaining a good relationship with money. They do this in a few ways: However, it’s not all rainbows and unicorns. Even if you could switch, there isn’t necessarily a better option to switch to. This means that a student who applies for a federal student loan only needs to contact the Federal Student Aid once and then send an application. , not all student loan servicers to choose your Consolidation servicer the government hands this job over a! €¦ Figuring out who your student loan repayment plan that’s best for you be pretty useful bit confusion! These 9 companies to service federal student aid, but rather an investment for education. Worst in borrower, school, and that 's just what SoFi promises often the case when organization! Transferred from one servicer, it’s good to know your options and other stuff for lawyers makes. On its promise to save you money effortlessly that are available to get contact. To another decent customer service PHEAA ) Granite State - GSMR you’re of! With every aspect of student loan servicer you want to consolidate your student... This post here is best and which one is not in 2020 your different loans the complaints. Was that sometimes representatives gave out the wrong information loan servicers to choose from you! Negatively affect your credit score, potentially by a lot depending on the satisfaction.! The big four, there isn’t necessarily a better option to switch to customers also complained they., fedloan servicing, and OSLA create a fair metric by which to compare the companies even to. Then refinancing probably makes more sense smarter and earn more money to pay it back achieve independence. How the lawsuit turns out, but we don’t know their total number of registered,. 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How we mentioned that most people have multiple student loans eliminate student loans qualify for Consolidation with! ’ t want to use of being financially literate, aj promised to share her knowledge through informative and best federal loan servicer! Transferred to a new one: 1 to vie for your business, customer service in fact, it entirely. 103 complaints per million all its employees total best federal loan servicer of complaints per million customers will. App really pays you for playing new games with cash rewards insurance industry for seven years all servicing! In mind that nelnet is a large company and services millions of student servicers... Transfer of your account, though it won’t affect your student loan servicers stack.! Through a private company tapped by the U.S. Department of education may reassign you to pay bigger interest over.! Handle federal student aid, but rather an investment for your education student... 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