Student Financial Services
Repaying Federal Direct Loans
Where to Repay Your Loans
Direct Subsidized, Unsubsidized, and PLUS Loans are repaid to a federal loan servicer.
A servicer is the agency or organization responsible for billing, collection and management of loan repayment, and deferment/forbearance processing.
- You will send loan payments directly to your servicer(s).
- Your servicer(s) will send you information about your loans by mail and/or email.
- Be sure to open and read it! It is your responsibility to notify your servicer(s) directly any time your phone number, email address, or mailing address information changes.
Find Your Loan Servicer
The Department of Education determines which agency will service your loans.