Aidvantage borrowers commonly need help with a missing or misapplied payment, an account login, a repayment-plan application, Auto Pay, a loan transfer, deferment or forbearance, credit reporting, or an unresolved servicing complaint. Aidvantage services certain federal student loans for the U.S. Department of Education. It does not set federal interest rates, create forgiveness laws, or determine the basic eligibility rules for federal repayment programs.
How to Contact Aidvantage Customer Service
- Borrower customer service: 1-800-722-1300
- TDD and TTY: Dial 711
- International telephone: 1-317-806-0580
- Fax: 1-866-266-0178
- International fax: 1-570-706-8563
- Secure account: Log in to Aidvantage
- Contact page: Aidvantage Contact Us
- Federal Student Aid account: StudentAid.gov
Aidvantage Customer-Service Hours
- Monday: 8:00 a.m.–9:00 p.m. Eastern Time
- Tuesday and Wednesday: 8:00 a.m.–8:00 p.m. Eastern Time
- Thursday and Friday: 8:00 a.m.–6:00 p.m. Eastern Time
- Saturday and Sunday: No live telephone hours
The secure website and automated telephone system are available 24 hours a day, 365 days a year. Borrowers can use automated services to make payments, obtain balances and payoff information, update contact information, request tax information, and obtain general repayment-plan information.
Aidvantage does not publish a general public customer-service email address. Borrowers must sign in and use the Help Center’s Email Us feature. Live-agent chat is also available after login during regular business hours.
Aidvantage Payment and Correspondence Addresses
Mailing Loan Payments
Aidvantage – Federal Student Aid Loan Servicing
P.O. Box 4450
Portland, OR 97208-4450
Write the Aidvantage account number on the check or payment document. Allow enough time for delivery before the due date.
General Correspondence
Aidvantage – Federal Student Aid Loan Servicing
P.O. Box 300001
Greenville, TX 75403-3001
Use the Greenville address for authorized general correspondence and documented credit-reporting disputes. Include copies rather than irreplaceable original documents and retain proof of mailing.
The former P.O. Box 9635 address in Wilkes-Barre, Pennsylvania is not listed on Aidvantage’s current federal loan contact page and should not be used for new payments or time-sensitive correspondence.
Best Aidvantage Support Route by Issue
- Payment or payoff: Use the secure account, automated telephone system, or borrower telephone line.
- Missing or misapplied payment: Call with the payment date, amount, bank record, and confirmation number.
- Repayment-plan application: Use StudentAid.gov and monitor the Aidvantage inbox.
- Lower-payment request: Review current federal repayment options before requesting a plan change.
- Temporary hardship: Ask about eligible deferment, forbearance, or repayment-plan options.
- Credit-reporting error: Send a documented written dispute to Credit Bureau Management.
- Public Service Loan Forgiveness: Use the official PSLF Help Tool at StudentAid.gov.
- Loan transferred to Aidvantage: Verify the transfer through StudentAid.gov and create the new Aidvantage account.
- Suspected scam: Do not pay the caller or disclose an FSA ID; verify through official government websites.
- Unresolved complaint: Escalate through Federal Student Aid’s Feedback System.
Information to Gather Before Contacting Aidvantage
- The borrower’s full legal name
- The Aidvantage account number, provided privately
- The loan type involved
- The payment date and amount
- The payment confirmation or bank trace information
- The repayment plan currently shown online
- The date an application or document was uploaded
- The exact online error message
- The prior servicer, if the loan transferred
- Copies of relevant statements or notices
- Any existing complaint or servicing case number
- The specific correction or resolution requested
Never publish a Social Security number, FSA ID, password, complete loan number, bank account, income document, tax form, or authentication code in a public review.
Who Owns and Operates Aidvantage?
Aidvantage is operated by Maximus Education, LLC under the trade name Aidvantage. Maximus Education is part of Maximus, Inc., a government-services company.
Federal Student Aid is the federal loan provider for Department of Education-owned loans. Aidvantage is the contractor that performs servicing work such as billing, payment processing, account maintenance, and borrower assistance.
Aidvantage can help borrowers understand and apply for available options, but only the federal government can set statutory interest rates, establish repayment-program requirements, or approve federal loan forgiveness under applicable law.
Making an Aidvantage Payment
Borrowers can generally make payments:
- Through the secure online account
- Through Auto Pay
- By telephone
- By mail
Aidvantage states that it does not charge borrowers a fee to make a payment. Telephone payments may be made using a checking account, savings account, or debit card.
A telephone payment may post with the effective date it is made, including on weekends or bank holidays. It can still take at least two business days to become visible in the online account.
Keep the confirmation number, bank record, and a screenshot or copy of the transaction until the payment appears correctly.
Extra Payments and Payment Allocation
Borrowers with several loans can give Aidvantage instructions about how an extra payment should be allocated. Instructions may be provided through the online account, by telephone, or in writing with a mailed payment.
Borrowers may also provide billing instructions for an overpayment, including whether the next due date should be advanced.
Before making a large additional payment:
- Review the balance and interest rate for each loan.
- Choose whether the payment should target a specific loan.
- Review the current payment-allocation setting.
- Save the payment instructions and confirmation.
- Check the account after processing.
Auto Pay
Auto Pay automatically withdraws the required payment from the selected bank account on the due date. Eligible loans may receive an interest-rate reduction while qualifying Auto Pay payments are required and successfully processed.
Borrowers should continue monitoring their accounts after enrollment. Auto Pay may not withdraw during certain deferment or forbearance periods, and a rejected bank transaction can leave the loan past due.
Changing a bank account, repayment plan, loan status, or due date may require reviewing or updating the Auto Pay authorization.
Repayment Plans and Lower Monthly Payments
Federal repayment plans and eligibility rules can change. Use the current repayment tools at StudentAid.gov rather than relying on an old article, calculator, or social-media post.
Depending on the loan type and current federal rules, options may include traditional standard, graduated, or extended repayment and eligible income-based arrangements.
Before changing plans, compare:
- The required monthly payment
- The repayment period
- The projected total interest
- Whether annual income recertification is required
- Whether the plan qualifies for a forgiveness program
- How unpaid interest may be treated
As of July 27, 2026, Aidvantage states that a court order ended the SAVE repayment plan on March 10, 2026. Borrowers who previously relied on SAVE should review current official notices and available replacement options.
Deferment and Forbearance
Deferment or forbearance can temporarily reduce or suspend required payments when a borrower qualifies. Interest may continue accruing, and the relief period can increase the total cost of the loan.
Do not simply stop paying while an application is pending. Check the account status, due date, and written decision. Ask whether a temporary administrative status applies while documents are reviewed.
Keep copies of the application, uploaded documents, confirmation, and approval or denial notice.
Public Service Loan Forgiveness and Other Forgiveness Programs
Use the Public Service Loan Forgiveness Help Tool at StudentAid.gov to check employer eligibility and submit PSLF forms.
Aidvantage may provide account records and general servicing assistance, but Federal Student Aid controls program rules and forgiveness determinations.
Teacher Loan Forgiveness, Total and Permanent Disability discharge, borrower-defense relief, closed-school discharge, and other programs have separate eligibility and application processes.
No legitimate company needs a borrower’s FSA ID or an advance enrollment fee to apply for a federal repayment or forgiveness program.
Loan Transfers to or from Aidvantage
A transfer changes the company servicing the loan but does not create a new federal loan. The interest rate and underlying loan terms do not change merely because the servicer changes.
After receiving a transfer notice:
- Confirm the new servicer through the StudentAid.gov dashboard.
- Create an account only on the servicer’s official website.
- Review the balance, repayment plan, due date, and payment history.
- Update Auto Pay and bank instructions when required.
- Save records from the prior servicer.
- Report missing payment or plan information promptly.
Aidvantage allows borrowers to request previous-servicer account history through the secure Email Us function.
Credit Reporting and Disputes
Aidvantage reports each serviced student loan separately to the consumer reporting agencies. A borrower with several loans may therefore see several Aidvantage entries.
Aidvantage’s current guidance says loans that reach at least 90 days past due are reported as delinquent at the end of the month.
To dispute information supplied by Aidvantage, mail a detailed written dispute to:
Aidvantage – Federal Student Aid Loan Servicing
Attn: Credit Bureau Management
P.O. Box 300001
Greenville, TX 75403-3001
Include copies of the relevant credit-report pages, payment records, enrollment information, identity-theft documentation, or other evidence. Explain exactly which entry is incorrect and what correction is requested.
Aidvantage states that it does not make goodwill adjustments when negative reporting is accurate.
How to Escalate an Aidvantage Complaint
- Call 1-800-722-1300 or use secure chat or Email Us.
- State the issue, dates, loan, payment, application, and requested correction clearly.
- Request and retain a case number.
- Upload or mail supporting documents through an approved route.
- Ask for the determination in writing.
- Allow the stated review period and follow up through the existing case.
- Submit an unresolved complaint through the Federal Student Aid Feedback Center.
- If the complaint remains unresolved, request assistance from the FSA Ombudsman Group.
- Consider a complaint through the Consumer Financial Protection Bureau or an applicable state student-loan ombudsman.
A complaint should explain what happened, what has already been done, the supporting records, and the specific outcome requested. Avoid emotional speculation and do not submit unnecessary private information.
Aidvantage Scam and Security Warnings
Use only Aidvantage.StudentAid.gov and StudentAid.gov for federal account access. Do not select a login link from an unexpected text, advertisement, or social-media message.
Federal Student Aid and official servicers do not charge enrollment, subscription, or maintenance fees to consolidate federal loans or apply for federal repayment plans.
Never give another company:
- An FSA ID
- An Aidvantage password
- A one-time security code
- A bank-account password
- A debit-card PIN
- A complete Social Security number through an unsolicited contact
Aidvantage Customer Service Reviews and Complaints
CustomerServiceNumbers.com currently has no published Aidvantage reviews. The displayed 0 out of 5 rating reflects the absence of submitted ratings and is not a zero-star customer verdict.
Until moderated reviews are submitted, this page should not claim that borrowers commonly praise or complain about account access, customer-service responsiveness, payment processing, repayment plans, credit reporting, loan transfers, or complaint handling.
Frequently Asked Questions
What is Aidvantage’s customer-service number?
Call 1-800-722-1300.
Is Aidvantage open on Saturdays?
No current Saturday or Sunday live-agent hours are published. The website and automated telephone system remain available 24/7.
Does Aidvantage have an email address?
Aidvantage does not publish a general public borrower email. Sign in and use the Help Center’s Email Us feature.
Where do I mail an Aidvantage payment?
Mail payments to Aidvantage – Federal Student Aid Loan Servicing, P.O. Box 4450, Portland, OR 97208-4450.
Where do I mail general correspondence?
Use P.O. Box 300001, Greenville, TX 75403-3001.
Who owns Aidvantage?
Aidvantage is operated by Maximus Education, LLC, part of Maximus, Inc.
Is Aidvantage the federal government?
No. It is a private federal loan-servicing contractor. Federal Student Aid is the federal loan provider for Department of Education-owned loans.
Can Aidvantage forgive my student loan?
Aidvantage can process servicing information and help with applications, but federal law and the Department of Education control forgiveness eligibility and approval.
Does Aidvantage charge a payment fee?
Aidvantage states that there is no fee to make a payment through its approved servicing channels.
How do I dispute Aidvantage credit reporting?
Send a written dispute and supporting documents to Credit Bureau Management at the Greenville correspondence address.
How do I complain about Aidvantage?
Begin with Aidvantage and obtain a case number. An unresolved federal-loan complaint can then be submitted through the Federal Student Aid Feedback Center.
Related Customer Service Pages
Why Trust CustomerServiceNumbers.com?
CustomerServiceNumbers.com has helped consumers locate customer-service information since 2004. The site is independent and is not owned or operated by Aidvantage, Maximus Education, Maximus, Federal Student Aid, the U.S. Department of Education, a school, credit bureau, lender, or debt-relief company.
The purpose of the site is to help borrowers identify official support routes, document complaints, and report the outcomes of their customer-service experiences.
Share Your Experience
Use the review section to describe:
- The general loan or servicing issue
- The approximate payment, application, or transfer date
- The telephone, chat, secure-email, mail, FSA, or CFPB route used
- Whether a case number was created
- The correction or resolution requested
- The response received
- Whether the problem was resolved
Privacy warning: Do not publish Social Security numbers, FSA IDs, passwords, security codes, complete loan or account numbers, bank information, tax documents, income records, repayment applications, private correspondence, or unredacted statements and credit reports.
Page Update Note
This page was updated on July 27, 2026. The update verified Aidvantage’s current telephone number, weekday representative hours, 24/7 automated access, secure email and chat routes, payment and correspondence addresses, legal operator, loan-servicing role, payment methods, repayment guidance, credit-dispute process, transfer information, scam warnings, and complaint escalation. It removed the obsolete Wilkes-Barre address, outdated Saturday hours, irrelevant competitor references, and customer-review themes unsupported by visible CustomerServiceNumbers.com reviews.
Customer Service Information Disclaimer
CustomerServiceNumbers.com is an independent information and review website. It is not affiliated with Aidvantage, Maximus Education, Maximus, Federal Student Aid, the U.S. Department of Education, a school, lender, credit bureau, repayment-plan provider, or debt-relief company. CustomerServiceNumbers.com cannot access loan accounts, process payments, change repayment plans, approve deferment or forbearance, correct credit reporting, transfer loans, grant forgiveness, submit complaints, or act on behalf of Aidvantage or the federal government.