You contact your loan servicer to change your repayment plan, make payments, and ask for help with your loans.

Quick Scoop

When it comes to managing loan payments, the key person (or organization) in your corner is your loan servicer. This is the company that handles everything about your loan after it’s issued.

Who You Should Contact

  • Your main point of contact is your loan servicer (the company that sends your bills and manages your account).
  • You can usually find your servicer’s name and contact details by logging into your online loan account or government student-aid portal.
  • For questions about changing plans, affordability, or trouble making payments, the servicer is the one that can adjust options, process forms, and walk you through choices.

What Your Servicer Can Help With

  • Changing your repayment plan (for example, switching to an income-based or extended plan if available).
  • Setting up, changing, or pausing automatic payments, and explaining due dates and amounts.
  • Discussing options if you can’t afford payments, such as deferment, forbearance, or alternative plans if your loan type allows.

How to Reach Them

  • Use the contact information in your billing statements or your online loan dashboard to call, email, or send a secure message.
  • When you contact them, have your account number, current income details, and any questions ready so they can quickly suggest repayment and relief options.

TL;DR:
For changing your repayment plan, making payments, or getting help with your loans, always start with your loan servicer —they are the official contact responsible for managing your loan day to day.

Information gathered from public forums or data available on the internet and portrayed here.