who have already taken out student loans.
As an existing borrower, your rights and responsibilities are different depending on whether your loan is a federal or private loan. Therefore, you must know what type of loan you have in order to understand your options.
You can use the National Student Loan Data System (NSLDS) to find out what federal loans you have. The link to NSLDS is listed below. You know you have a federal loan if it is listed on NSLDS. Also, federal loan promissory notes and applications will state the name of the federal loan program (i.e., Stafford, PLUS, Perkins, FFEL, William D. Ford Direct Loan Program, etc.). This information also may be at the top of your monthly bill, and loan agreement.
You can also call the Federal Student Aid Information Center at 1-800-4-FED-AID, TDD 1-800-730-8913 if you do not know who is servicing your Direct Loans. You can find a list of all the Direct Loan servicers at the Federal Student Aid Information Center website. For your convenience we have included a link to their webpage at the bottom of this page.
There is no central data base similar to NSLDS for private student loan information. You should contact your lender or loan holder to get more information about your private loans.
For federal loans, NSLDS identifies your loan servicer. For private loans, your billing statement should identify your loan servicer.
A loan servicer is a company that handles the billing and other services on your student loan. You should contact your servicer when you (i) change your name, address, or phone number; (ii) want to learn more about your repayment options; (iii) have a question about your bill; or (iv) have other questions about your student loan.
It is important to maintain contact with your loan servicer. If your circumstances change at any time during your repayment period, your loan servicer may be able to help you.
If you are seeking information on your existing loan with a Brazos Managed Company and know who is currently servicing your loan, you may retrieve your loan information by accessing that servicer’s web site. Links to our servicer’s web sites are provided below.