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Account Access Online Features

Learn all about the features available through Account Access, your online account management tool.

Features that Make Managing Your Loans
Quick, Easy, and Convenient

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.

Learn More

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.

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!

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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
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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.

Check out the different types of third party contacts and their authorizations below.
Reference

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

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

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

Steps to Authorize a Third Party

  1. Go to "Account Profile" and select Password Security & Privacy Settings.
  2. Under Privacy Settings, select the Add Account Authorizations button.

    NOTE: If you don't have an Account PIN, you will need to create one in order to complete the process online.

  3. Complete the Account Authorizations Agreement Process or print, sign, and mail your application to the address provided.
Power of Attorney

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
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We've Gone Mobile!

No matter where you are, your account is just a finger tap away with our mobile app.

Download on the App Store
Get it on Google Play
Mobile App Icon

Additional Features Coming Soon!

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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!):

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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.