Account Access Online Features
Learn all about the features available through Account Access, your online account management tool.
Make and Review Your Payments
Make Online Payments
Pay online to give yourself the most flexibility with making a payment, like the option to target extra funds to individual loans.
Review Your Payment History
View a breakdown of the last 12 payments you made on your account.
Obtain a Loan Payoff
Quickly and conveniently obtain a payoff amount or pay your loans in full through your online account.
View Public Service Loan Forgiveness Qualifying Payments
View the number of qualifying payments counted toward forgiveness online anytime under View Loan Details.
Prepare Forms & Upload Supporting Documents
Get Forms Assistance
Complete your forms with our Forms Assistance tool to give yourself the best understanding of what you need to include with your request. This tool is available to assist you with a number of forms in Account Access!
File Upload
Upload forms and supporting documents directly to us. Submitting your forms electronically allows us to receive your request faster than mailing it in, which could help get your request processed faster!
Update Your Account Profile
Update Your Information
We need your most up-to-date contact information so we can send you important information or reach you if we need to discuss your account. In Account Access, you can update your:
- Contact information
- Password
- Privacy settings
- And more…
Add Account Authorizations
You can authorize individuals (other than yourself) to discuss your account with our loan counselors. This authorization does not grant these individuals access to your online account or allow them to request changes to your account on your behalf.
View Your Account Details
View Loan Details
Your online account provides a lot of valuable information, including:
- Your total loan balance
- The status of all your loans
- Interest rate details
- And more…
Get Tax Information
Once signed in to Account Access, you can view and print your past 7 years of tax information, such as:
- IRS Form 1098-E, Student Loan Interest Statement
- Student Loan Interest Summary Statement (if amount is not reported to IRS)
- IRS Form 1099-C, Cancellation of Debt, if applicable
- Cancellation of Debt Summary Statement (if amount is not reported to IRS)
Other Account Features
- Find your account number
- Read important alerts or messages
- See your bill online
- Schedule a payment in advance
- Save your bank account to make payments quickly
- Sign up for Direct Debit
- Compare repayment options
- Review payment alternatives
We Protect Your Online Account
Account Access is only intended for our borrowers. To protect personal information, we will block or delete an online account if we suspect a third party has accessed it (even if they are a friend or family member) or if we suspect fraudulent activity is taking place on the online account. If you are not the borrower and need assistance or have questions about their account, contact us for assistance. We'll do everything we can to help.
Cluttered With Mail? Go Paperless.
The choice to go completely paperless with us is an easy one! With our paperless features you can avoid the delays of snail mail, stay organized through your paperless inbox, and do your part to preserve our environment.
Benefits of Paperless
- Clutter-Free
Put an end to clutter and go paperless - Convenient & Flexible
Get all of your loan correspondence even when you're away from home - Easy to Manage
Sign in to your account right from the secure link included in our email - Eco-Friendly
Save trees and reduce waste while helping the environment
Paperless Options
- Paperless Billing Statements—Get monthly email reminders to review your student loan bill through your online account when it's time to pay (no more paper statements)
- Paperless Correspondence—Receive letters from us in your paperless inbox, not your mailbox
- Paperless Tax Forms—Get your end-of-year tax statement electronically (and faster), so you can file your taxes earlier
How It Works
1. Enroll
Visit today to enroll in our Paperless Services.
2. Hear from us by email
Whenever you have a new message from us, we'll notify you by email.
(Don't forget to keep an up-to-date email address on file and make us a "trusted sender" so our emails don't go to your spam folder.)
3. Sign in to view your message
Sign in to Account Access using the link provided in the email, and review your message in your paperless inbox!
Your Account Number
We will assign you a unique 10-digit account number to use in place of your Social Security number on most forms and correspondence.
If you are looking for your account number, you may find it on:
- Your billing statement
- Correspondence about your account
- Your online account
Account Authorizations
To ensure the privacy of our borrowers, account specific information and changes to your loans can only be made by the borrower or those individuals to whom they provide authorization.
Reference
When you applied for your student loans, you provided contact information for references. These individuals aren't automatically granted any access to your loan information, but may fall under one of the authorized categories.
Immediate Family Member
We may discuss account-related questions with immediate family members as long as they can authenticate your account when they contact us. To authenticate, they will need your Social Security number, your date of birth, and your full name.
NOTE: If you would not like us to discuss your account with certain members of your immediate family, please give us a call. We can notate your account to ensure that information is not provided to certain parties.
Can:
- Receive information about your account over the phone from our loan counselors
- Provide information concerning changes to your address or phone number if they are no longer valid
- Request that we send details about your loans to your physical address, fax number, or email address
Cannot:
- Access your online account
- Make online student loan payments for you
- Request changes or adjustments to your loans
- Request that we send details about your loans to their physical address, fax number, or email address
Authorized Third Party
You can authorize us to release your loan information to certain individuals. This gives them permission to contact us about any account-related issues. An authorized third party will still need to provide your account number or Social Security number, your date of birth, and your full name.
Can:
- Receive information about your account over the phone from our loan counselors
- Update your address or phone number on your behalf
- Request us to mail or fax your loan information to you
Cannot:
- Access your online account information
- Make online student loan payments for you
- Request changes or adjustments to your loans
- Request that we send details about your loans to their physical address, fax number, or email address
Power of Attorney
Granting someone Power of Attorney (POA) on your student loans allows them to perform certain tasks on your behalf. These tasks may include:
- Receive information about your account over the phone from our loan counselors
- Update your address or phone number on your behalf
- Request us to mail or fax your loan information
- Access your online account information
- Make online student loan payments for you
- Request changes or adjustments to your loans
Go Mobile!
No matter where you are, your account is just a finger tap away with our mobile app.
Schedule a Payment Anytime
You can schedule a payment, target payments, or cancel a pending payment, etc.
View Account Summary and Loan Details
Get an at-a-glance view of your account and payment history to make managing your loans easier.
Change Your Due Date
Set up your due date for a day when you know you'll have money in your bank account.
Explore Your Repayment Plan Options
Find a repayment plan that best meets your needs and fits your budget.
Upload Documentation
Upload supporting documentation for an Income-Driven Repayment (IDR) plan for faster processing.
Account Management
Manage your account login details—such as username, password, account security, etc.
Fingerprint Authentication
Use your fingerprint for faster, easier access to your account.
Additional Features Coming Soon!
Beware of "Debt Relief" Organizations
Never pay for assistance with your federal student loans—your servicer provides assistance for free!
Protect Yourself
There are companies misrepresenting the facts and themselves to get your business and your money. Be aware of the warning signs that a company may not have your best interest in mind. Be cautious of companies that:
- Provide a disclaimer that they are a "private company not affiliated with the U.S. Department of Education (the Department) or the Federal Government"
- Claim to be associated with the Department, FedLoan Servicing, or one of the other federal loan servicers, but do not have your loan details readily available in their system
- Request a fee before they will assist you with your loans
- Use taglines such as "New Laws Discounting Federal Student Loans" and "Obama Student Loan Forgiveness"
- Ask you to sign over power of attorney or other third-party authorization so they can make changes to your account
- Request you do not contact your servicer while they are working on your behalf
- Promise to cancel your student loan debt, lower your monthly payment immediately, or provide instant relief from wage garnishment or default
- Ask you to send your student loan payments to them instead of your loan servicer
Know the Facts
We provide free support to borrowers whose loans we service, including assistance with the following (and much more!):
Troubleshooting Guide
Whether you are having trouble accessing your account or just forgot your username or password—we have options to help!
Unlock Account
If you are locked out of your account because you entered an incorrect password: , enter your username, and click "Sign In" to start the process to unlock it. If you are locked out of your account because you forgot the answers to your security questions, contact us.
Recover Username
If you can't remember your username, go to the Recover Username page. Once you have entered the necessary information, we will send you an email containing your username.
Reset Password
If you forgot your password, go to the Reset Password page. Once you enter the necessary information, we will email you a temporary password.
NOTE: If you are at work, your employer's firewalls, privacy software, and other heightened layers of security may hinder our website's functionality. Try using a non-work computer to see if this resolves your issue.