Sallie Mae Customer Service: Student Loans, Payments & Reviews

Sallie Mae provides private education loans, student-loan servicing, college-planning resources, and banking products such as savings accounts and certificates of deposit. Customers may need assistance with a new loan application, an existing student loan, payments, repayment difficulties, account access, credit reporting, a savings account, fraud, or an unresolved complaint.

For an existing Sallie Mae student loan, the main servicing number is 1-800-472-5543. Customers applying for a new student loan should instead call 1-855-756-5626.

How to Contact Sallie Mae Customer Service

The correct Sallie Mae support route depends on whether you are applying for a new private student loan, managing an existing loan, dealing with a delinquent account, or asking about a Sallie Mae Bank savings product.

Existing Sallie Mae Student Loans

For payments, account balances, loan statements, account questions, repayment issues, or other servicing needs on an existing student loan, call 1-800-472-5543.

Sallie Mae lists existing-loan servicing phone and chat hours as Monday through Thursday from 8 a.m. to 8 p.m. Eastern Time and Friday from 8 a.m. to 5 p.m. Eastern Time. Its automated telephone system can accept payments at any time.

International customers with existing loans can call 1-877-416-0012. Graduate-loan servicing is available at 1-833-613-8159.

New Sallie Mae Student Loan Applications

For a new student-loan application, application status, completing an application, or questions about cosigning a new loan, call 1-855-756-5626.

Application-support phone hours are Monday through Thursday from 8 a.m. to 9 p.m. ET, Friday from 8 a.m. to 8 p.m. ET, and Saturday from 10 a.m. to 4 p.m. ET. Graduate application support is available at 1-833-613-8158.

Is Sallie Mae a Federal Student Loan Servicer?

Sallie Mae currently offers private education loans. Sallie Mae and its parent, SLM Corporation, are not agencies of the United States government.

If your question involves a federal Direct Loan, federal income-driven repayment plan, Public Service Loan Forgiveness, or another federal student-loan program, verify the current servicer through the official Federal Student Aid system rather than assuming Sallie Mae handles the account.

What to Have Ready Before Contacting Sallie Mae

• Your name and contact information as shown on the account
• Your Sallie Mae account or loan information
• The type of loan or banking product involved
• Your billing statement or recent account statement
• Payment dates, amounts, confirmation numbers, or bank records
• The date and amount of any disputed balance or transaction
• Copies of correspondence previously sent to or received from Sallie Mae
• Application information if the issue concerns a new loan
• Relevant deferment, school-enrollment, military, or hardship documents when applicable
• A short timeline describing what happened and the resolution you are requesting

Only provide sensitive information through an official Sallie Mae website, secure upload tool, authenticated account, verified telephone number, or appropriate mailing address.

Sallie Mae Payments and Mailing Addresses

Sallie Mae uses different mailing addresses depending on the purpose. Do not automatically mail loan payments or account disputes to the corporate headquarters.

Borrower Payments

Sallie Mae
P.O. Box 8459
Philadelphia, PA 19101-8459

Cosigner Payments

Sallie Mae
P.O. Box 8377
Philadelphia, PA 19101-8377

General Student Loan Correspondence

Sallie Mae
P.O. Box 3319
Wilmington, DE 19804-4319

Disputed Loan Balances

Sallie Mae
P.O. Box 3228
Wilmington, DE 19804-0228

Credit Bureau Reporting Disputes

Sallie Mae
P.O. Box 3229
Wilmington, DE 19804-0229

Sallie Mae asks customers disputing credit reporting to include supporting documentation or other information that may help the company investigate the dispute.

Help If You Cannot Make Your Sallie Mae Payment

If you are having financial difficulty, contact Sallie Mae as early as possible. Waiting until an account is severely delinquent or in default can reduce the time available to discuss possible options.

Sallie Mae says eligibility for assistance depends on the borrower’s financial circumstances and the particular loan. Current options described for some delinquent borrowers include:

• Loan Modification: May reduce monthly payments by lowering the interest rate and possibly extending the loan term.
• Payment Extension: May allow an eligible borrower to bring a loan current after making qualifying payments for three consecutive months.
• Reduced Payment Plan: May allow six months of interest-only payments for an eligible borrower.

These programs are not automatically available to every borrower. Call 1-800-472-5543 so Sallie Mae can review the account and explain any options that may apply.

Sallie Mae Deferment and Special Circumstances

Sallie Mae provides assistance for certain special circumstances. Depending on the loan and eligibility requirements, borrowers may be able to request temporary postponement or reduction of payments when returning to school or participating in certain eligible internships, clerkships, fellowships, or residency programs.

Sallie Mae also provides loan-servicing forms for deferment, auto debit, cosigner release, and military benefits. Review your promissory note and current account information because eligibility and terms can vary by loan.

Sallie Mae Auto Debit and Repayment

Borrowers can make payments through Sallie Mae’s online account and may be able to enroll in auto debit. Sallie Mae currently advertises a 0.25 percentage-point interest-rate reduction on eligible loans during active repayment while qualifying automatic payments are successfully withdrawn.

Requirements and exclusions apply, and the benefit may be suspended during certain deferment or forbearance periods. Review your specific loan terms before relying on an interest-rate reduction.

Cosigner Questions and Cosigner Release

A cosigner is generally responsible for repayment according to the loan agreement until the obligation ends or Sallie Mae approves a release. Sallie Mae provides an application process for borrowers seeking cosigner release on eligible loans.

If you are applying for release, review the current eligibility requirements and submit the required documentation through Sallie Mae’s official servicing process. Approval is not automatic.

Sallie Mae Savings Account Customer Service

Sallie Mae Bank also offers deposit products, including High-Yield Savings Accounts, Money Market Accounts, and certificates of deposit. These products use a different customer-service number from student loans.

• Savings, CDs and Money Market: 1-877-346-2756
• Hours: Monday-Friday, 9 a.m.-6 p.m. ET
• SmartyPig: 1-877-751-6884
• Savings Correspondence: Sallie Mae Bank, 175 S West Temple, Suite 600, Salt Lake City, UT 84101

For a student-loan question, do not use the savings-account number. Call 1-800-472-5543 instead.

Sallie Mae Login and Account Access Help

If you cannot access your Sallie Mae account, start from the official Sallie Mae login page rather than following a link from an unexpected text message or email.

Sallie Mae’s account system provides username and password recovery options. If recovery does not work or you suspect unauthorized access, use the verified contact information on SallieMae.com.

Sallie Mae Fraud and Phishing

If you receive a suspicious email claiming to involve a Sallie Mae account, Sallie Mae directs customers to report it to abuse@salliemae.com.

Instead of responding to a suspicious message, independently visit SallieMae.com or call a verified number. Never post an account number, loan number, Social Security number, password, PIN, one-time security code, or bank information in a public review.

Sallie Mae Accessibility Support

Sallie Mae says it is committed to making its online products and services accessible. For questions specifically about accessibility of SallieMae.com or assistance using the website, email accessibility@salliemae.com.

For ordinary loan or banking account questions, use the regular Sallie Mae customer-service channels rather than the accessibility email address.

How to Escalate a Sallie Mae Complaint

If a normal customer-service interaction does not resolve your problem, document the issue before escalating it.

1. Contact the correct department first. Use student-loan servicing, application support, collections, or savings support depending on the product.
2. Keep records. Save statements, payment confirmations, letters, secure messages, screenshots, and notes from telephone calls.
3. Request clarification in writing. For a disputed payment, balance, repayment status, or credit-reporting issue, ask for a clear explanation of the company’s position.
4. Use the correct dispute address. Sallie Mae publishes separate addresses for balance disputes and credit-reporting disputes.
5. Escalate through the Office of the Customer Advocate. For an unresolved concern, call 1-855-342-2014 or use Sallie Mae’s official Customer Advocate contact form.
6. Consider an external complaint when appropriate. The Consumer Financial Protection Bureau accepts complaints involving student loans and other financial products.

Sallie Mae Office of the Customer Advocate

The Office of the Customer Advocate works with Sallie Mae associates to review customer concerns. Sallie Mae asks customers contacting the office to provide their name, telephone number, address, and account number through the appropriate private contact channel.

• Customer Advocate Phone: 1-855-342-2014
• Mail: Office of the Customer Advocate, P.O. Box 3349, Wilmington, DE 19804-4349
• Online: Sallie Mae Office of the Customer Advocate

Sallie Mae Corporate Office

SLM Corporation, commonly known as Sallie Mae, lists its principal executive offices at:

SLM Corporation
300 Continental Drive
Newark, DE 19713

This is a corporate address, not the standard address for loan payments, credit-report disputes, or routine account correspondence. Use the issue-specific addresses above for customer-account matters.

Sallie Mae Customer Service Reviews on CustomerServiceNumbers.com

CustomerServiceNumbers.com currently has no published Sallie Mae customer reviews. With zero reviews, there is not yet enough CSN feedback to identify meaningful positive or negative customer-service trends.

If you have personally contacted Sallie Mae about a student-loan application, payment, repayment difficulty, deferment, cosigner issue, savings account, credit-reporting dispute, fraud concern, or complaint, you can leave a review below describing what happened and whether your issue was resolved.

Related Student Loan Customer Service Pages

• Nelnet Customer Service
• SoFi Customer Service

Sallie Mae Customer Service Frequently Asked Questions

What is the Sallie Mae customer service number?

For an existing Sallie Mae student loan, call 1-800-472-5543. New student-loan applicants should call 1-855-756-5626.

What are Sallie Mae’s student-loan servicing hours?

Existing-loan servicing phone and chat hours are Monday through Thursday from 8 a.m. to 8 p.m. ET and Friday from 8 a.m. to 5 p.m. ET.

Can I make a Sallie Mae payment by phone after customer service closes?

Yes. Sallie Mae says payments can be made at any time through its automated telephone system.

What should I do if I cannot afford my Sallie Mae payment?

Contact Sallie Mae at 1-800-472-5543 as soon as possible. Sallie Mae says available assistance depends on the customer’s financial circumstances and loan. Do not assume that a particular hardship option will automatically apply.

Does Sallie Mae offer deferment?

Some Sallie Mae loans may qualify for deferment in specified circumstances, including certain periods of school enrollment or eligible internships, clerkships, fellowships, or residency programs. Eligibility depends on the loan and applicable requirements.

Where do I send a Sallie Mae loan payment?

The published borrower payment address is Sallie Mae, P.O. Box 8459, Philadelphia, PA 19101-8459. Cosigner payments use a separate address. Confirm the current address on your account or statement before mailing a payment.

How do I dispute Sallie Mae credit reporting?

Sallie Mae publishes a credit-reporting dispute address at P.O. Box 3229, Wilmington, DE 19804-0229 and asks customers to provide supporting documentation or information that will help investigate the dispute.

How do I escalate a complaint with Sallie Mae?

After attempting to resolve the problem through normal customer service, you can contact Sallie Mae’s Office of the Customer Advocate at 1-855-342-2014 or use its online contact form.

How do I report a suspicious Sallie Mae email?

Sallie Mae directs customers to report suspicious account-related email to abuse@salliemae.com. Do not click suspicious login links or provide passwords, PINs, Social Security numbers, or security codes.

What is the Sallie Mae savings account phone number?

For High-Yield Savings Accounts, Money Market Accounts, and CDs, call 1-877-346-2756, Monday through Friday from 9 a.m. to 6 p.m. ET.

Is Sallie Mae part of the federal government?

No. SLM Corporation and its subsidiaries, including Sallie Mae Bank, are not sponsored by or agencies of the United States government. Sallie Mae’s current education-loan products are private student loans.

Can CustomerServiceNumbers.com access my Sallie Mae account?

No. CustomerServiceNumbers.com is an independent consumer-information and review website. We cannot access Sallie Mae accounts, process payments, change repayment plans, approve deferments, correct credit reporting, transfer money, approve loans, or resolve complaints on Sallie Mae’s behalf.

Why Trust CustomerServiceNumbers.com?

CustomerServiceNumbers.com has helped consumers locate customer-service information and share real service experiences since 2004. We provide independent contact guidance, complaint resources, and public customer reviews.

Financial-service contact details, payment addresses, support hours, repayment programs, hardship options, interest-rate benefits, account procedures, and regulatory information can change. Always verify important loan and banking information directly with Sallie Mae before sending money, documents, or sensitive personal information.

Share Your Sallie Mae Customer Service Experience

Have you contacted Sallie Mae about a student loan, application, payment, repayment problem, delinquency, deferment, cosigner release, credit-reporting dispute, savings account, fraud concern, account access issue, or unresolved complaint? Leave a review below explaining which support route you used, what happened, and whether the issue was resolved.

Customer Service Numbers Disclaimer

CustomerServiceNumbers.com is an independent consumer information and review website. It is not owned by, operated by, sponsored by, or affiliated with Sallie Mae, Sallie Mae Bank, or SLM Corporation. This page provides contact information and general support guidance and does not provide financial, legal, tax, credit, or student-loan advice. For account-specific information, loan terms, repayment options, payment instructions, banking questions, credit-reporting disputes, or hardship assistance, contact Sallie Mae directly through its official website or verified support channels.