If you work in the public sector, are in the military or taking advantage of a federal department of relief program, such as income-based repayment or public service forgiveness, you may not want to refinance, as these benefits do not transfer to private refinance/consolidation loans. For the $1,000 Welcome Bonus offer, $500 will be paid directly by Student Loan Planner via Giftly. Additional terms & conditions apply; see SoFi.com/eligibility. APRs for variable-rate loans may increase after origination if the SOFR index increases. Splash disclosures. Learn more. If you cant find that number either, you can call the office of Federal Student Aid or your schools financial aid office. To qualify, a borrower must be a U.S. citizen and meet our lending partners underwriting requirements. Student Loan Planner will confirm loan eligibility and, upon confirmation of a qualifying refinance, will send via email a $500 e-gift card within 14 business days following the last day of the month in which the qualifying loan was confirmed eligible by Student Loan Planner. You can take advantage of the Auto Pay interest rate reduction by setting up and maintaining active and automatic ACH withdrawal of your loan payment. Fixed APR: Annual Percentage Rate (APR) is the cost of credit calculating the interest rate, loan amount, repayment term and the timing of payments. To do this, you will need your FSA ID and password. For the $1,250 Welcome Bonus offer, $500 will be paid directly by Student Loan Planner via Giftly. How to contact Edfinancial services Edfinancial contact number: 1-800-887-6130 Edfinancial hours of operation: Monday - Thursday, 8 a.m. - 8:30 p.m. For the latest information regarding the status of student debt relief, visitStudentAid.gov. HESC/Edfinancial : 1-855-337-6884 This includes any private student loans that were originally federal ones but were refinanced into a private loan, since those balances would now show in government records as $0.00. As previously stated, your Federal Student Aid account will have a list of your loan servicers and contact information. If you consolidate or refinance your loans, you may lose eligibility for public service loan forgiveness and other government programs and protections. Refinancing federal student loans with a private lender means that borrowers will lose access to benefits associated with federal student loans, including income-driven options and loan forgiveness programs. Direct Loans - for account numbers beginning with "F": Toll Free (general inquiries and phone payments): 1- 855 -337-6884 FFELP & Private Loans - for account numbers beginning with "C": Toll Free (general inquiries): 1- 800 -337-6884 Toll Free (phone payments): 1-866-709-0202 Military Servicemembers: Speak to our designated Servicemember Liaison: You can determine who your loan servicer is using the contact information for Federal Student Aid and calling 1-800-433-3243. This includes loan forgiveness, loan consolidation, and refinancing your loan. How to find your student loan account number, For $100k or more. Find out how Federal Student Aid partners with loan servicers to be here when you need help. Fixed rates range from 4.74% APR to 8.99% APR with a 0.25% autopay discount. Read less. Our lowest rates are only available for our most credit qualified borrowers and contain our .25% auto pay discount from a checking or savings account. Please note that skipping a payment is not guaranteed and is at Earnests discretion. If they cant answer your questions directly, theyll know where to find the answers you need. If all else fails, call your schools financial aid office and they should be able to point you in the right direction. All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. If a borrower does not claim the Student Loan Planner bonus within six months of the loan disbursement, the borrower forfeits their right to claim said bonus. Your APR will be determined after you apply. Once your information is verified, you will be able to use your FSA ID to obtain information about your federal student loans. Your account number should also be listed on your credit report, which you can request for free once every year. It may be suspended during forbearance or deferment. There are various instances you may be asked for your student loan account number. Analytical, Diagnostic and Therapeutic Techniques and Equipment 7 The amount of the bonus will depend on the total loan amount disbursed. EdFinancial has its fair share of consumer complaints . This offer is not valid for borrowers who have previously received a bonus from Student Loan Planner. This will allow you to see more information about your loan than just the student loan account number. What KInd Of Credit Do You Need For An Auto Loan? Mysterious student loan payment on EdFinancial. Upon disbursement of a qualifying loan, the borrower must notify Student Loan Planner that a qualifying loan was refinanced through the site, as the lender does not share the names or contact information of borrowers. SoFi refinance loans are private loans and do not have the same repayment options that the federal loan program offers, or may become available, such as Income Based Repayment or Income Contingent Repayment or PAYE. It can be frustrating to figure out how to find your student loan account number when you need it most. However, if you choose a product and continue your application at a lending partners' website, they will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit. CLICK HERE for more information. Welcome. Applying for public service loan forgiveness. Please carefully consider these changes before refinancing federally held loans with SoFi, since the amount or portion of your federal student debt that you refinance will no longer qualify for the federal loan payment suspension, interest waiver, or any other current or future benefits applicable to federal loans. As part of the NextGen Federal Student Aid effort, beginning in 2022, only five companies will service federal student loans: Edfinancial. The Splash Student Loan Refinance Program is not offered or endorsed by any college or university. But maybe this shows you that your balance is a lot higher than expected. Not all applicants will qualify for the lowest rate. Heres how to find your student loan account number. The fixed interest rate is set at the time of application and does not change during the life of the loan. To check the rates and terms you qualify for, one or more soft credit pulls will be done by SuperMoney, and/or SuperMoney's lending partners, that will not affect your credit score. Nelnet. See disclaimers at:https://www.splashfinancial.com/disclaimers/, Splash Financial, Inc. (NMLS #1630038), licensed by the DFPI under California Financing Law, license # 60DBO-102545. Additional terms and conditions apply. We endeavor to ensure that the information on this site is current and accurate but you should confirm any information with the product or service provider and read the information they can provide. FedLoan Servicing (PHEAA): 1-800-699-2908 2023 Social Finance, Inc. All rights reserved. All products subject to credit approval. Student Loan Refinancing Loan Cost Examples. How to Get a Reverse Mortgage: 3 Steps to Getting an HECM. Tiered 300 to 575 bonus for 50k to 149k. For those who have missing track of your pupil loans, this is the time to locate organized. Splash: If you refinance over $100,000 through this site, $500 of the cash bonus listed above is provided directly by Student Loan Planner. There is a limit of one bonus per borrower. You can also check your e-mail account if youre receiving your statements by e-mail. You may need to provide personal information to verify your identity. Great Lakes Educational Loan Services, Inc. You will receive a $1,000 bonus if you refinance $100,000 or more, or a $200 bonus if you refinance an amount from $50,000 to $99,999.99. The bonus amount will depend on the total loan amount disbursed. To review your loan information, youll need to create a Federal Student AidID (FSA ID), to help you access your data. YOU ARE NOT REQUIRED TO MAKE ANY PAYMENT OR TAKE ANY OTHER ACTION IN RESPONSE TO THIS OFFER. Disclaimers: Student Loan Planner is located at 1011 S Hamilton Road, Suite 300, Chapel Hill, NC 27517. Recommended: How to Find Out Who Your Student Loan Lender Is. Her work has appeared on Allure, Business Insider, Credit Karma, Fortune, and more. If youre unsure of your loan servicer, you can use your FSA ID on the Federal Student Aid website. However, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit. The federal government lends you the money, but a private company services it for you. To begin the qualification process for the Student Loan Planner sign on bonus, customers must apply from the link provided. Because each lenderis different and has its own protocol, there isnt a student loan account numberthat is the same across private loan lenders. If you are looking to refinance federal student loans, please be aware that the White House has announced up to $20,000 of student loan forgiveness for Pell Grant recipients and $10,000 for qualifying borrowers whose student loans are federally held. Fixed rates range from 4.64% APR to 9.24% APR (excludes 0.25% Auto Pay discount). However, that number is needed for a variety of other reasons. Your actual repayment terms may vary. This number is also used to verify a students identity when they are using services offered by the loan provider, such as mobile banking or trying to obtain previous statements. SoFi refinance loans are private loans and do not have the same repayment options that the federal loan program offers, or may become available, such as Income Based Repayment or Income Contingent Repayment or PAYE. These things are: Go to the dashboard for your account at studentaid.gov and scroll down to the "My Loan Servicers" section. See full terms & conditions at sofi.com/refinance-student-loan/#guaranteed-rate-match. The 10-character student loan account numberis used specifically for federal loans that come from the federal government. Privacy Policy - Cookie Policy - Terms and Conditions - Disclaimer - Editorial Ethics Policy. You can find your Aidvantage student loan account number and interest rate on your billing statement and online at . If you choose to complete an application, we will conduct a hard credit pull, which may affect your credit score. To verify your identity when accessing certain loan services, such as mobile banking. Step 2 - Click on "Financial Aid Review" and log into the site with your FSA ID. Autopay is not required to receive a loan from SoFi. The maximum rate for your loan is 8.95% if your loan term is 10 years or less. Variable rate options range from 4.47% (with autopay) to 9.24% (without autopay) and will vary based on application terms, level of degree and presence of a co-signer. But if youre looking for information about your federal student loansin general, there are other resources to review as well. While the government is the lender, these loans are administered by a variety of loan servicers that take on administrative tasks such as sending bills to borrowers, creating repayment plans, and consolidating loans. Looking up student loan information, such as loan balance or payment amounts. Compare real offers from multiple lenders. In some cases, you could obtain a better deal from our advertising partners than you could obtain by utilizing their services or products directly. For some, that it crack has been crucial during the a time of monetaray hardship. If you need to access certain account informationabout your private student loan, log into your online accounton the lenders website, and go to your account for additional information. Other servicers dont provide an account number and simply ask you for personal information, such as your birth day or social security number. Even if you didn't receive a 1098-E from your servicer, you can download your 1098-E from your loan servicer's website. Student Loan Origination Loan Cost Examples. [1] With notable exceptions, student loans must be repaid, in contrast to other forms of financial aid such as scholarships . Rates and Terms are subject to change at anytime without notice and are subject to state restrictions. All rights reserved. If you dont have or cant find these statements, you can also contact your loan servicer directly and ask for your account number. Please carefully consider these changes before refinancing federally held loans with SoFi, since the amount or portion of your federal student debt that you refinance will no longer qualify for the federal loan payment suspension, interest waiver, or any other current or future benefits applicable to federal loans. Go to AnnualCreditReport.com andreview all three credit reportsfrom the three credit bureaus to obtain more information about your loan serviceror lender. Interest rate incentives for utilizing Auto Pay may not be combined with certain private student loan repayment programs that also offer an interest rate reduction. There are two main ways to determine which company handles your federal student loans. The interest rate reduction for Auto Pay will be available only while your loan is enrolled in Auto Pay. See if you qualify for student loan refinancing and compare real time offers. Earnest Loans are made by Earnest Operations LLC or One American Bank, Member FDIC. 1. 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