When and How to Contact your Student Loan Servicer During COVID-19

Update: On August 8, President Trump issued a memorandum extending the payment freeze and interest waiver from the CARES Act until December 31, 2020. It’s likely that this forbearance will be automatically implemented by your servicer and that you will not need to take any action if you’re not planning to resume making payments. We will update this post as we get more clarity on how these orders will be implemented.

For more information on what the memorandum means for you & your student loans check out our latest blog post.


The good news is that borrowers with qualifying loans don’t need to take any action to get the benefits enacted in the stimulus package! 

It’s important to make sure your loans qualify, so head to our guide to learn more.

There are a few cases in which borrowers will need to contact their loan servicers. We outlined them below to make it easy to figure out what your next steps should be!

You DO NOT need to contact your servicer for the following items; they will be applied automatically from March 13 through September 30, 2020:

  • To take advantage of the 0% interest rate
  • To suspend your student loan payments
  • To halt collections and wage/tax return garnishment on your defaulted loans.

You DO need to contact your servicer:

  • If you have loans that are not eligible for CARES Act benefits (such as most Perkins or FFEL loans) and want to consolidate them to make them eligible. If you already have a Summer account, you can also do this online through our tool!
  • If you have private student loans that are not eligible for CARES Act benefits and you want to request a temporary forbearance or other state assistance.
  • If you want to opt in to making payments on your loans through September.
  • If you have any other questions regarding your student loans, or if you notice any errors on your account.


Servicer Name and Website Phone Number
FedLoan Servicing (PHEAA) 1-800-699-2908
Nelnet 1-888-486-4722
Navient 1-800-722-1300
Great Lakes Educational Loan Services, Inc. 1-800-236-4300
EdFinancial (HESC) 1-855-337-6884
CornerStone 1-800-663-1662
Granite State Management and Resources 1-888-556-0022
MOHELA 1-888-866-4352
OSLA Servicing 1-866-264-9762
ECSI 1-866-313-3797


    Learn more about the student debt crisis

    Stay updated on the student debt crisis—our report, The Domino Effect, reveals the latest trends.