Who Owns My Student Loan Debt?

Money Girl gives resources to find out who really owns your student loan debt.

Laura Adams, MBA
1-minute read

Who Owns My Student Loan Debt?Q: "My student loan debt is in collection, but several different companies say they own the debt. How do I determine who actually owns it?"

A: You can find your federal student loan holder by searching The National Student Loan Data System at nslds.ed.gov. This is the database for student aid, including loans and grants. It contains information on the kind of loan you have (such as a Direct loan or Perkins loan), the outstanding balance, and status.

You can also get information by calling the Federal Student Aid Information Center at 800-433-3243 or 800-730-8913 (TDD).

For loans in default, the Federal Student Aid Collections Office at 800-621-3115 or 800-730-8913 (TDD).

If you need additional assistance with your federal student loans, contact the Student Loan Ombudsman Office at 877-557-2575 or ombudsman.ed.gov.

Graduate worried image courtesty of Shutterstock.

About the Author

Laura Adams, MBA

Laura Adams received an MBA from the University of Florida. She's an award-winning personal finance author, speaker, and consumer advocate who is a frequent, trusted source for the national media. Money-Smart Solopreneur: A Personal Finance System for Freelancers, Entrepreneurs, and Side-Hustlers is her newest title. Laura's previous book, Debt-Free Blueprint: How to Get Out of Debt and Build a Financial Life You Love, was an Amazon #1 New Release. Do you have a money question? Call the Money Girl listener line at 302-364-0308. Your question could be featured on the show.