how to find my federal student loan account number

But finding out exactly how much you owe is essential for managing Create an account with a Federal Student Aid ID and sign in; Check. One more thing: you don't need to hire a company to help you get this student loan payment relief. The program is already in place and there's. What if I've forgotten what type of loan I have or who my loan holder is? check NSLDS through the U.S. Department of Education's Federal Student Aid.
how to find my federal student loan account number
how to find my federal student loan account number
how to find my federal student loan account number

Back to topics

It is vitally how to find my federal student loan account number to keep track of your student loans!

Student loans can be hard to keep track of at times.

  • Many student loan borrowers find themselves with accounts serviced at multiple locations, owned by multiple lenders or even guaranteed by several guarantors.
  • Also, it's very common for loans to be transferred from one servicer or lender to another.

Not sure who holds (or collects) your federal student loans? The information below may help!

National Student Loan Data System (NSLDS):

  • The U.S. Department of Education's central database for financial aid
  • Contains financial aid history related to federal student loans and Pell Grants.
  • Access requirements:
    • Social Security number
    • First two letters of your last name
    • Date of birth
    • FSA ID
  • You will create an FSA ID (previously a PIN) to sign the FAFSA (Free Application for Federal Student Aid) on the Web, access NSLDS, or sign a Direct Loan Master Promissory Note.
  • If you have forgotten your FSA ID and password or never received one, visit

Important note: Federal Perkins Loan

Contact your school for information about your Federal Perkins Loan. The school acts as a lender, and the loan is made with federal funds.


Student Loan Default: What It Is and How to Recover

Find the latest

Student loan default can feel overwhelming. But if you’ve defaulted, you’re not alone: South florida state college panther central three years of entering repayment, 9.7% of student loan borrowers default, according to the Education Department.

» MORE:Student loan debt statistics

As part of the first coronavirus relief bill, the government stopped federal student loans from entering default and paused collection activities on those that already had. These protections are in place through Jan. 31, 2022.

During this break, you can get loans back in good standing with options like loan rehabilitation and consolidation. Take action as soon as possible to avoid penalties like garnished wages and seized tax refunds when collection activities resume.

What is student loan default?

Student loan default means you did not make payments as outlined in your loan’s contract, also known as its promissory note. Default timelines vary for different types of student loans.

  • Federal student loans. Most federal student loans enter default when payments are roughly nine months, or 270 days, past due. Federal Perkins loans can default immediately if you don’t make any scheduled payment by its due date.

  • Private student loans. The Consumer Financial Protection Bureau states that private student loans often default after three missed payments, or 120 days total, but check your loan’s promissory note to know the specific timing. Some private loans default after one missed payment.

What happens before default?

Before federal student loans default, they enter a status known as delinquency. Loans are considered delinquent as soon as you miss a payment, although your servicer won’t report these late payments to credit bureaus until 90 days have passed.

Delinquent federal student loans are eligible for postponements and repayment plans that could make payments more affordable, such as income-driven repayment, deferment and forbearance. You cannot use these options once loans default, so contact your servicer immediately if you fall behind on your payments.

Many private lenders will help you catch up on payments by temporarily lowering your monthly payment or allowing you to pause repayment with a deferment or forbearance.

» MORE:Deferment or forbearance: Which is right for you?

Are your student loans in default?

If you aren’t sure if your student loans are in default, the easiest way to find out is to check how to find my federal student loan account number your servicer. If you aren’t sure who that is — or aren’t ready to have a conversation with them about your loans — you have a couple of other options.

  • Log in to All federal student loan borrowers have a My Federal Student Aid account they can access with their FSA ID. Sign in to your account, select a loan and look at its repayment status to see if it’s listed as in default. Your account also includes information about your servicer, if you need it.

  • Pull your credit report. Your credit report will list federal and private student loan defaults under the negative information section. You can get a copy of your report for free once a year at

These resources may not be updated in real-time, so your loan could be in default and not show up as such. Confirming your loan’s status with your servicer is your best bet.

Receiving calls from a debt collector is another sign of student loan default.

Federal student loan holders can place defaulted student loans with a collection agency if you do not make payment arrangements with them. Private student loans are typically considered "charged off," or uncollectible, after 120 days of missed payments and can be sold to a collection agency

Debt collectors are required to follow the Fair Debt Collection Practices Act (FDCPA) when contacting you. If collectors are harassing you over your federal or private loans, you can submit a complaint to the Consumer Financial Protection Bureau. The CFPB also has sample letters you can use when responding to bill collectors.

What happens if you default on student loans?

A student loan default can affect you in many ways. Penalties of default include the following.

To collect on federal student loans, your loan holder can garnish your wages and withhold your tax refunds and other government payments, like Social Security checks.

Private student loan holders can’t take your tax refunds or Social Security payments, but they can take you to court. If they receive a judgment in their favor, they can garnish money from your paychecks or even your bank accounts to pay your defaulted loan.

A student loan default and the late payments that preceded it can remain on your credit report for seven years. This negative mark can make borrowing for a car, home or additional schooling more expensive — or potentially impossible. Default can also hurt your ability to rent an apartment, sign up for a new cell phone plan or even get a job.

Late fees and interest will continue to build on your debt, increasing the amount you owe. You can also be charged costs for the collection of your defaulted loan. These collection costs may be as much as 25% of your loan's balance.

For example, let’s say you owe $30,000 at the time of default. You could have to pay as much as $7,500 in collection costs on top of that $30,000 balance to pay off your loan.

If you have a student loan default, you can’t take on additional student loans or receive other federal aid to return to school.

If you’ve already graduated, your school can choose to withhold your academic transcript until your debt is repaid.

» MORE:How to go back to school with defaulted loans

License suspension laws and enforcement vary greatly from state to state. But if you work in a field like medicine or teaching, your state may suspend or revoke your professional license if your student loans default. This can happen with your driver’s license as well.

One penalty you don’t have amazon classic site worry about is being arrested or imprisoned for not paying a student loan. However, your lender can sue you to repay your loans. In many states if your lender wins a court judgment against you, you can be arrested for not complying with the court’s order. Don’t ignore a court summons.

» MORE:Can’t pay parent PLUS loans? 4 ways to get back on track

My student loans are in default what do I do?

The Education Department offers three clear ways to recover from federal student loan default: repayment, consolidation and rehabilitation. Each can prevent or halt the consequences of default if you act fast enough; the best one for you will likely depend on your priorities.

If you want to get out of debt entirely


When student loans default, the full amount owed becomes due immediately. If you can afford that, you can pay off your loans and be done with your debt. Of course, that won’t be possible for most borrowers. You may be able to negotiate a student loan settlement for less than you owe, but don’t expect big savings.

Don’t take on a personal loan to pay your student loans — even if they’re in default. Personal loans typically carry higher interest rates than student loans. Explore other remedies that won’t put you in more debt.

If you want to help your credit


Student loan rehabilitation is the best option in most cases because it’s the only one that removes the default from your credit report, though previously reported late payments will remain.

To rehabilitate your loans, you must make nine monthly loan payments within 10 consecutive months. Your monthly how to find my federal student loan account number will be 15% of your discretionary income, or you may request a lower amount.

You can only rehabilitate a student loan once. If you choose this option, make sure you can afford your payments once you complete the process, likely by enrolling in an income-driven repayment plan.

If you want to resolve the default quickly or already rehabilitated the loan


Besides paying in full, student loan consolidation is the fastest route to exit default. You can do either of the following to qualify:

  • Make three full, on-time, consecutive monthly payments on the defaulted loan.

  • Agree to repay your new loan under an income-driven repayment plan.

Consolidation may make sense if you have to resolve the default quickly, for instance if you’re returning to school and need access to financial aid. Consolidation will not remove the default line from your credit report.

How to recover from private student loan default

Private student loans don’t come with standard recovery options like federal loans.

Ask your lender about possibilities for getting out of default. It may have options similar to federal loan default programs, or you may be able to negotiate another resolution to repay or agree to a student loan settlement for less than you owe.

If you can’t work something out with your lender, consider contacting a lawyer who specializes in student loans. The private student loan market is especially complicated, so having someone who understands the system, your rights and your options is crucial.

» MORE:Is there a statute of limitations on student loans?

How to find additional student loan help

Legit student loan help organizations won't call, text or email borrowers with offers of debt resolution. Avoid “debt relief” companies that promise immediate student loan forgiveness. If it sounds too good to be true, it usually is.

Here are some vetted student loan help resources to consider for information, advice or both; they are established organizations with verified histories:

Many of these organizations offer advice for free. In some cases, you may need to pay a fee, as with a certified nonprofit credit counseling agency or if you hire an attorney.


How To Find Your Student Loan Balance

It can be easy to lose track of all of your student loans and your total balance, especially when you're busy in college. Many students receive multiple small loans per semester, which can be a mixture of federal student loans—such as Perkins, Stafford, and PLUS—and private student loans. While your school financial aid office may be able to help you find some basic facts and figures, there are other effective ways to find out your total student loan balance.

Finding Your Federal Student Loan Balances

You can always access student loan information through your My Federal Student Aid account, where you can find your federal student loan balances under the National Student Loan Data System (NSLDS). This is the U.S. Department of Education's central database for student aid, and it keeps track of all your federal student loans.

You'll need a Federal Student Aid ID username and password to log in to the site. The ID serves as your legal signature, and you can't have someone—whether an employer, family member, or third party—create an account for you, nor can you create an account for someone else. The NSLDS stores information so you can quickly check it whenever you need to, and it will tell you which loans are subsidized or unsubsidized, which is important because it can determine how much you end up paying after graduation.

If your loans are subsidized, the U.S. Department of Education pays the interest while you're enrolled in school; interest accrues during that time with unsubsidized loans. To qualify for a subsidized loan, how to find my federal student loan account number must be an undergraduate student who has demonstrated financial need. Unsubsidized loans are available to undergraduate, how to find my federal student loan account number, and professional degree students, and there are no financial qualifications in place.

How NSLDS Knows Your Student Loan Balances

The NSLDS receives information for its database from a variety of sources, including guaranty agencies, loan servicers, and other government loan agencies. When you enroll in a college or university, the school also sends information, including any student loan debt you took on, to the NSLDS. It notes when you took out the loan, when it was disbursed, when your grace period ended, and when you paid it off.

The NSLDS is useful because it gives a total picture of your federal loans at once, so you know right away how much federal debt you have. However, it doesn't include any information about your private student loans.

Finding Your Private Student Loan Balances

Finding information about your private student loans can be a bit more difficult than getting your federal loan balances since private lenders sometimes sell their loans to other companies. If you're not sure who your lender is for private student loans, call your school's financial aid office for help or call your original lender if you know it.

If neither of those options works for you, you can figure out your private student loan lenders by reviewing your credit report. The report should show all of your current debts and accounts, including all student loans.

You can safely get a free annual credit report from all three reporting agencies—Equifax, TransUnion, and Experian—at

Why You Should Track Your Student Loans

While it might seem complicated, it is essential to keep track of your student loans and the amount of debt you owe, including knowing how much you borrowed and how much you owe once you add interest​. This can be helpful while you are in college, and as you start your budgeting process after graduation. Many options exist for repayment plans, including the following:

  • Standard plans: Payments are calculated to guarantee loans are paid off within 10–30 years. 
  • Graduated plans: These are designed to ensure loans will be repaid within a certain amount of time, but payments will increase gradually over time.
  • Income-based: These repayment plans calculate your monthly payments based on how much you earn, with higher wages equaling higher payments.

Once you have a solid number to start with, you can begin to create a repayment plan to get rid of that debt as quickly as possible. You can develop a repayment plan that works for your salary and lifestyle and pays down the debt quickly to save you money over time. You can always contact your loan servicer to update your payment plan if your situation changes. This does not have a negative impact on your credit.

Frequently Asked Questions (FAQs)

Why is my student loan balance increasing?

Because some federal plans allow for income-driven repayment, it's possible that you're only paying a portion of the interest owed each month. This unpaid interest gets added to your principal and causes your balance to increase.

How do I consolidate student loans?

The process for consolidating your student loans depends on whether you have private or federal student loans. If you have private loans or want to combine private and federal loans into one, you'll need to refinance them with another private loan. You can consolidate multiple federal loans into one new federal loan through a Direct Consolidation Loan, which you can set up through the Federal Student Aid website.

When do you have to start paying student loans?

Most federal student loans have a six-month grace period that begins when you graduate, leave school, or drop below half-time status. That means you have six months before you must begin paying back your loans. Private loan grace periods vary by lender.


Find Your Loans

UCLA Student Loan Services and Collections - Debt Management

Have you lost your loan promissory notes? Did you attend another college or two before attending UCLA and you cannot remember the type of loan or the lender? Help is available!

Federal Student Aid (FSA)

The US Department of Education maintains a central database of student aid that allows you to access Direct, Stafford and/or Perkins Loan outstanding balances, loan statuses, and disbursements. The PELL Grant Program and other US Department of Education programs are also on file. To view your Federal student loans such as a Direct Student Loan, Direct Grad PLUS, Stafford Loan, and Grad PLUS, you will need to go to the Federal Student Aid website, using the following directions:

  • STEP 1: Go to to begin.
  • STEP 2: Log in with your FSA ID. (If you do not have one, you may create one by selecting the ‘Create Account’ link located under the 'Log In' button. Your FSA ID serves as your electronic signature and provides access to your personal records with US Department of Education systems. It may take two to three business days after making your request to receive e-mail instructions on how to retrieve your FSA ID electronically. When finally obtained, keep your FSA ID in a safe and secure place. With your FSA ID acquired, proceed to STEP 3.)
  • STEP 3: In the box marked 'My Aid' click on the 'View Details' link.
  • STEP 4: Under the 'Loans' tab, click on the 'View Breakdown' link.
  • STEP 5: After the screen auto-scrolls to the bottom, click on the 'View Loans' button.

Your loan history should display on the screen for you to review.

Please note that will also display some of your UC/campus-based student loans such as a Perkins Loan (FFELP) and various health profession related loans (Loans for Disadvantaged Students, Health Professions Student Loan, Primary Care Loan, and Nursing Student Loan), but not necessarily all your UC/campus-based student loans.

Federal Student Aid information Center

To find out which lenders hold your Stafford, Direct and/or Perkins Loan(s), contact the Federal Student Aid Information Center.

  • STEP 1: Call (800) 433-3243. Listen to the telephone menu and select option '3'; and when prompted, say the word 'LOANS' to obtain information on your existing student loans and lenders.
  • STEP 2: Have your FSA ID ready in order to access your data.

Campus-Based Loans

Your campus-based loans are administered by the college(s) where you received the loan funds. For inquiries regarding UCLA loans, contact ECSI at (888) 549-3274 or at For institutions other than UCLA, contact the Financial Aid Office or Loan Office of the institution you attended or their servicer.

Credit Bureau Reports

You can also request a credit report from a credit bureau. One free credit report can be obtained annually from each of the three reporting agencies by visiting and applying. (There will be a charge for this service if you have already received your free report for the year.) Your Stafford, Direct and Perkins Loans will be listed in your credit history. If you have private/alternative loans, a credit report is the best resource of loan and/or lender information. To obtain a credit report from one of these credit bureaus, you can call or log onto:


The offices of Student Loan Services & Collections have developed MyLoanData to assist you in reviewing the federal (Direct, Perkins, Stafford, Grad PLUS, Direct Grad PLUS, Health Profession Loans, etc.) and University of California (UC)/campus-based loans you borrowed during your studies at UCLA as well as any other loan/debt you may have acquired. When accessing MyLoanData, you should have available:

  • Your FSA pin (to access your Federal Student Aid website information)
  • Your Social Security number (to access your AnnualCreditReport information)

MyLoanData also includes important information and links pertaining to graduate, professional, and transfer students, as well as loan consolidation. To access MyLoanData:

STEP 1: Go to
STEP 2: Click on MyLoanData.

(UCLA attempts to provide up-to-date information in our Bruin Dollars and $ense How To Series. Please be aware that the content of this document is based upon information that was correct at the time of publication. All information pertaining to and gathered from both UCLA and other sources is subject to change without notice.)


Student Loans Company

Student Loans Company

As COP26 continues in Glasgow, SLC colleagues reflect on the organisation’s role in tackling climate change. CIO, Stephen Campbell shares his thoughts on our environmental responsibilities.

Latest from Student Loans Company

What Student Loans Company does

We are a non-profit making government-owned organisation that administers loans and grants to students in colleges and universities in the UK.

SLC is an executive non-departmental public body, sponsored by the Department for Education.

Read more about what we do


Contact SLC

Make an FOI request

  1. how to find my federal student loan account number Read about the Freedom of Information (FOI) Act and how to make a request.
  2. Check our previous releases to see if we’ve already answered your question.
  3. Make a new request by contacting us using the details below.

💡 The Frank Takeaways:

It’s more common than you would think to lose your FSA ID. These are numbers and passwords you use once a year. Luckily, there are ways to retrieve this information if you lost it. Take a look at Frank’s step-by-step guide to getting back into your FSA account.

FSA ID Refresher

When you’re applying for FAFSA®, one of the most important things you’ll do is create an FSA ID. Your FSA ID acts as a legal signature and allows you access to the Federal Student Aid online system. 

You also need an FSA Jim edmonds st louis house if you want to check the status of your online app or make corrections to an existing FAFSA® application.

Why do you need the FSA ID?

Did you File FAFSA® Yet

Creating an FSA ID verifies your identity with the FSA and federal government. By verifying your identity, you can easily sign the FAFSA® with your unique ID when the time comes. This is an essential part of your FAFSA® application and will be required several times during the financial aid process.

Keep in mind that your FSA ID is not required to submit your FAFSA® application. However, the ability to sign your ID digitally allows the FAFSA® to process quickly.

In addition, using your FSA ID is the only way that you can change or correct any information on your FAFSA® application or pre-fill a FAFSA® form using information from the previous year.

How to Create Your FSA ID

There are several pieces of information required when creating an FSA ID, including:

  • Your full name
  • Your social security number
  • Your date of birth
  • A unique and memorable username
  • Your password
  • Answers to challenge questions

While it is not required to have a mobile phone number or email address, it is highly recommended. Email and phone numbers allow you additional support when trying to retrieve a lost FSA ID or password.

Keep in mind that each email address and/or mobile phone number can only be used for a single FSA ID.

How to Deal with a Forgotten User ID or Password

Your FSA ID is tied to you directly, so it’s important to set your username and password as something you’ll remember. If you do lose either one, there are options to retrieve it.

However, keep in mind that the FSA limits the number of incorrect authentication attempts before they lock you outof your account. Avoid how to find my federal student loan account number random password guesses and try some of the troubleshooting suggestions in this article.

Using “Forgot My Password” or “Forgot My Username”

There are options, including Forgot Password and Forgot Username, on many of the login pages where you would enter your FSA ID.

Reset your FSA ID and Sign your FAFSA®Reset your FSA ID and Sign your FAFSA®

On each of these links, you will be able to request a code. This code allows you to either reset your password or get your Username. You’ll need to change either one before the code expires.

If you choose to get a code, it will go to the phone number or email address that has been verified on your account. Otherwise, you may be asked to answer challenge questions.

Resetting Your FSA ID Username

Your options for resetting your Username will vary depending on what information you included when you created your FAFSA®.

If you don’t recall precisely what information you shared with the FSA, try some of the options with your current information. If the information does not match what the FSA has or if you did not have it, try a different option. It is generally recommended to try the mobile number or email username how to find my federal student loan account number first before trying the challenge questions, as students and parents find this to be the most frustrating and difficult option.

The screenshot below illustrates the FSA ID username retrieval screen that you will see after you click Forgot Username.

Resetting Your FSA ID Password

If you know your FSA ID but forgot your password, you will not have the option of answering challenge questions. You will need to verify your identity using your email or mobile number. (And be sure to check your spam or junk mail folder in your email, if you’re having trouble finding it.)

What To Do If You Can’t Retrieve Your FSA ID With Email, Mobile, Or Challenge Questions

If you cannot retrieve your FSA ID online, you still have options to get into your account, but there may be more effort required on your end.

You can get your account back by calling the Federal Student Aid Information Center at 1-800-433-3243.

If you cannot verify by phone, you may need to go through a manual verification process by mail. In this option, you’ll have to send physical documentation, which may take a week or more. You can learn more about your options in this scenario here.

What To Do If You Made Too Many Login Attempts?

You will need to reset your FSA ID password to get back into your account.

Troubleshooting Authentication FSA ID Issues

Your Username or Password Is Correct, But It’s Still Not Working

When this occurs, it’s usually due to a data entry error.

If you’ve checked that your credentials include the correct characters and are in the correct case (capital letters and lower case characters), there might be an issue if you’re copying and pasting from another location.

If you are typing your username or password from another place or a password manager, check and see if there is a space in front 3.4 m to ft back of the password that may be counted as a character.



How do I find out information about my student loans?

Federal Student Loans

The definitive source for information on your federal student loans is the U.S. Department of Education’s Federal Student Aid website. Through this website you can access information about your federal student loans.

Private Student Loans

To find out information on your private student loans, you’ll need to contact each of your private student loan servicers to determine your total loan balance or check your credit report.

Unlike federal student loans, there is not a single website that contains information about all of your private student loans. Your private student loans will not be listed the U.S. Department of Education’s Federal Student Aid website because the system shows only your federal student loans.

If you do not know what private student loans you might have, request a free credit report at Private student lenders may report your loans to credit reporting agencies even while you’re still in school or in deferment.


3 Replies to “How to find my federal student loan account number”

Leave a Reply

Your email address will not be published. Required fields are marked *