Sloan Servicing provides student-loan billing and account support for commercially held Federal Family Education Loan Program loans and other commercial education-loan portfolios serviced through Nelnet. Borrowers can contact Sloan about payments, account access, repayment plans, deferment, forbearance, payoff information, credit reporting, and eligible discharge or forgiveness requests.
Sloan Servicing is a loan servicer, not a new student-loan lender. The lender or loan holder owns the debt, while Sloan manages the account and communicates with the borrower on the holder’s behalf.
Sloan Servicing Customer Service Phone Number
- Sloan Servicing Customer Service: 1-833-597-5626 or 1-833-59-SLOAN
- International Customer Service: 1-531-310-5286
- Call Center Hours: Monday-Friday, 9:00 a.m.-7:00 p.m. ET
- Written Correspondence Email: WrittenRequest@SloanServicing.com
- General Correspondence: Sloan Servicing, P.O. Box 87865, Lincoln, NE 68501
- California Residents: Sloan Servicing, P.O. Box 87258, Lincoln, NE 68501
- SloanServicing.com Login: Access Your Sloan Servicing Account
- Official Contact Page: Sloan Servicing Contact Information
- Official Website: SloanServicing.com
Sloan states that customer-service calls may be monitored or recorded. Current forms, payment coupons, statements, and account notices may list different addresses for particular transactions. Use the address shown on the current document rather than assuming that the general correspondence address accepts every payment or form.
What Is Sloan Servicing?
Sloan Servicing is a student-loan servicing brand under the Nelnet corporate organization. It was introduced to service commercially held Federal Family Education Loan Program loans and other commercial education-loan portfolios.
A student-loan servicer may perform functions such as:
- Sending billing statements
- Processing payments
- Maintaining account records
- Providing balances and payoff amounts
- Explaining available repayment plans
- Processing deferment and forbearance requests
- Reporting account information to credit bureaus
- Processing eligible discharge or forgiveness forms
- Communicating on behalf of the loan holder
Sloan does not necessarily own the loan. The lender, guaranty agency, trust, government entity, or another holder may retain ownership and final authority over some account decisions.
Sloan Servicing, Nelnet and Federal Student Aid
Sloan Servicing and Nelnet are related, but borrowers should not assume that every Nelnet and Sloan account uses the same website or customer-service department.
- Sloan Servicing: Primarily services commercially held FFEL Program loans and other commercial education-loan portfolios.
- Nelnet Federal Student Loan Servicing: Services many loans owned by the U.S. Department of Education through a separate Federal Student Aid-branded platform.
- Nelnet Bank: A separate bank that offers private education loans and deposit products.
Use the servicer name and website shown on your latest statement and in the My Loan Servicers section of your StudentAid.gov account.
Does Sloan Servicing Make Student Loans?
Sloan Servicing does not generally originate new “Sloan loans.” It services existing education loans on behalf of lenders and loan holders.
A new private loan offered by Nelnet Bank is a separate product from an existing account serviced by Sloan. Questions about applying for a new private student loan should be directed to the lender offering that loan, not to Sloan’s servicing department.
SloanServicing.com Login and Account Access
Borrowers can use the official SloanServicing.com account portal to:
- View balances and loan details
- Review payment history
- Make an online payment
- Enroll in or manage auto debit
- View correspondence
- Upload eligible forms and documents
- Update contact information
- Review repayment options
- Request account information
If you previously used a Nelnet account for loans that were transferred to Sloan, you may be able to use the same username and password. Follow the instructions shown on the official Sloan login page.
Sloan Servicing Login Problems
If you cannot sign in:
- Confirm that you are using SloanServicing.com rather than Nelnet’s separate Federal Student Aid site.
- Use the Forgot Username or Forgot Password option.
- Confirm that your username is not being entered as an email address if the system requires a separate username.
- Check whether temporary access has been disabled after unsuccessful attempts.
- Wait for the stated lockout period or reset the password.
- Call Sloan at 1-833-597-5626 if access cannot be restored.
Do not provide your password or multifactor authentication code to an unexpected caller, email sender, or text-message contact.
How to Verify That Sloan Services Your Student Loan
Do not make a payment solely because an unexpected email, letter, or caller claims that Sloan is your new servicer.
Verify the account through:
- Your latest loan statement
- Your StudentAid.gov account for federal loans
- A transfer notice from your former servicer
- The lender or loan holder
- Sloan’s official website and phone number
If a loan was recently transferred, verify the effective date, account number, current balance, next payment date, accrued interest, and status of any auto-debit authorization.
Sloan Servicing Student Loan Payments
Sloan provides several payment methods. Available options may include:
- Online payment through the Sloan account
- Automatic debit from a bank account
- Payment by telephone
- Bank or credit-union bill pay
- Payment by mail
Call Sloan at 1-833-597-5626 for telephone payment assistance.
Mailed Sloan Servicing Payments
Sloan uses different payment addresses based on the account identifier or servicing portfolio. Use the payment address printed on the current statement, coupon, payoff instructions, or official Contact Us page.
Include the account number on the payment and supporting correspondence. Do not mail cash.
Consider using a traceable mailing method when sending a time-sensitive payment. Keep a copy of the check, payment coupon, tracking record, and bank confirmation.
Third-Party Bill Pay
If using a bank’s bill-pay system:
- Use Sloan Servicing as the payee.
- Enter the correct account number.
- Verify the delivery address selected by the bank.
- Allow enough time for electronic or mailed delivery.
- Confirm that the payment posts to the Sloan account.
A payment shown as withdrawn from a bank account is not necessarily posted to the student loan immediately.
Sloan Servicing Auto Debit
Eligible borrowers may be able to enroll in automatic monthly payments through their online accounts. Some loans include an interest-rate reduction or another benefit for qualifying auto-debit participation, but the exact incentive depends on the loan terms.
Before enrolling, confirm:
- The bank account being used
- The first withdrawal date
- The monthly withdrawal amount
- Whether past-due amounts are included
- Whether additional payments change the next withdrawal
- The applicable interest-rate benefit
Automatic debit may stop while a loan is in deferment or forbearance. Verify when withdrawals will resume before the postponement ends.
Do not assume that submitting an auto-debit request cancels a payment already due. Continue following the current statement until Sloan confirms enrollment and the effective date.
How Sloan Applies Student Loan Payments
Student-loan payments are generally applied according to the loan terms and applicable law, often beginning with outstanding fees, followed by accrued interest and principal.
If an account contains more than one loan, the payment may be allocated among the loans according to Sloan’s standard method unless the borrower submits valid special payment instructions.
Extra and Principal Payments
A borrower making more than the required amount should review Sloan’s special-payment instructions and state clearly how the additional amount should be applied.
Ask Sloan to confirm:
- Whether the extra amount will reduce principal
- Which loan receives the additional amount
- Whether the due date will advance
- Whether the next required payment changes
- How accrued interest will be handled
Save written instructions and verify the allocation after the payment posts.
Missing, Late or Misapplied Payments
If a payment is missing or applied incorrectly, provide Sloan with:
- The payment date
- The amount
- The payment method
- The bank confirmation or canceled check
- The account number entered
- The mailing or transaction address used
- Any special payment instructions
Request written confirmation of the investigation and ask whether late fees, delinquency reporting, or accrued interest will be corrected if Sloan confirms a servicing error.
Continue paying undisputed amounts unless Sloan provides different written instructions.
Sloan Servicing Repayment Plans
Available repayment plans depend on the loan type, date, holder, balance, promissory note, and current federal rules.
Possible FFEL repayment structures may include:
- Standard repayment
- Graduated repayment
- Extended repayment for eligible balances
- Income-Based Repayment for eligible FFEL loans
- Loan-specific alternative or reduced-payment arrangements
Not every borrower or loan qualifies for every plan. Request a written comparison showing:
- The estimated monthly payment
- The repayment term
- The projected total interest
- Required annual income documentation
- Whether unpaid interest may capitalize
- Any effect on forgiveness eligibility
Federal repayment rules changed beginning July 1, 2026. Use the current federal repayment calculator and confirm which rules apply to your existing FFEL loans before changing plans or consolidating.
Lowering a Sloan Servicing Payment
Contact Sloan before the account becomes delinquent if the required payment is unaffordable.
Ask about:
- A different repayment plan
- Income-Based Repayment eligibility
- Temporary reduced payments
- Deferment
- Forbearance
- Direct Consolidation through Federal Student Aid
A lower payment may increase the repayment term and total interest. Ask for the estimated long-term cost before selecting an option.
Sloan Servicing Deferment
A deferment temporarily postpones required payments when the borrower and loan meet an eligible condition.
Possible reasons can include:
- Eligible school enrollment
- Unemployment
- Economic hardship
- Military service
- Rehabilitation training
- Another condition recognized by the loan program
Interest treatment depends on the loan. Interest may not accrue to the borrower on certain subsidized loans during an eligible deferment, while it generally continues accruing on unsubsidized portions.
Continue making payments until Sloan confirms that the deferment was approved and provides the effective beginning and ending dates.
Sloan Servicing Forbearance
A forbearance may temporarily stop payments, extend the time to make payments, or permit reduced payments.
Forbearance may be:
- Discretionary: The loan holder may approve it but is not required to do so.
- Mandatory: The holder must approve it when the borrower meets the legal requirements and supplies the necessary documentation.
Interest generally continues accruing during forbearance and may be capitalized when the forbearance ends, increasing the principal balance and future interest.
Ask Sloan for:
- The approved start and end dates
- The interest expected to accrue
- Whether capitalization will occur
- The payment due when forbearance ends
- Whether a new request is needed for an extension
Sloan Servicing Delinquent Loans
An account can become delinquent when the required payment is not received by the due date. Continued delinquency can lead to negative credit reporting, collection activity, additional interest, and eventually default.
If the account is already past due:
- Contact Sloan immediately.
- Confirm the total amount required to bring the account current.
- Ask whether a repayment-plan change is available.
- Ask whether a qualifying deferment or forbearance can cover part of the delinquency.
- Request written confirmation of any agreement.
- Review the account after the adjustment posts.
Submitting an application does not guarantee approval and may not stop credit reporting while the request is pending.
Sloan Servicing Loan Consolidation
Sloan does not issue a federal Direct Consolidation Loan. Borrowers apply through the official Federal Student Aid consolidation process.
Direct Consolidation may:
- Combine eligible federal loans into one Direct Consolidation Loan
- Move the account to a different federal servicer
- Change the weighted-average interest rate calculation
- Change available repayment plans
- Make eligible FFEL loans capable of qualifying for Public Service Loan Forgiveness
- Change borrower benefits or forgiveness credit
- Extend repayment and increase total interest
Consolidation cannot generally be reversed. Review the current federal rules and obtain a written comparison before submitting the application.
Review Federal Student Aid consolidation information.
Sloan Servicing and Public Service Loan Forgiveness
FFEL Program loans do not directly qualify for Public Service Loan Forgiveness. Only eligible Direct Loans qualify.
A borrower with a qualifying FFEL loan may need to consolidate it into a Direct Consolidation Loan before future payments can qualify. Current rules determine whether and how prior repayment credit is carried into the consolidation.
Do not consolidate solely because an unsolicited company promises automatic forgiveness. Use StudentAid.gov and verify the current requirements before acting.
Other Student Loan Forgiveness and Discharge Programs
Depending on the loan and circumstances, a borrower may be able to request an eligible discharge or cancellation based on:
- Total and permanent disability
- Death of the borrower or eligible student
- School closure
- False certification
- Unpaid school refund
- Identity theft
- Teacher service or another qualifying program
- Income-based repayment forgiveness after the required repayment period
Eligibility and the responsible processing organization depend on the loan type and holder. Request the current form and instructions from Sloan or Federal Student Aid.
Continue required payments unless Sloan confirms a suspension, deferment, forbearance, or administrative status while the request is reviewed.
Sloan Servicing Payoff Information
Do not use the displayed principal balance alone as the final payoff amount. Interest may accrue daily, and a payoff request may need to account for the expected payment date.
Before paying off a loan:
- Request a current payoff amount.
- Specify the expected payment date.
- Confirm the accepted payment method.
- Verify the payoff address or online instructions.
- Ask how an overpayment will be returned.
- Keep the confirmation and proof of payment.
Sloan states that it generally mails a paid-in-full confirmation within approximately 30 days after the account is paid off.
Review the account and credit reports afterward to confirm that the loan is reported as paid with a zero balance.
Sloan Servicing Credit Reporting
Sloan may report account information to national consumer reporting agencies. Reported information can include:
- Account type
- Balance
- Scheduled payment
- Payment status
- Delinquency history
- Deferment or forbearance status
- Paid or transferred status
A repayment-plan change, deferment, or forbearance does not by itself create negative credit history when the account is accurately reported. Delinquency that occurred before approval may still appear unless the approved benefit covered that period.
How to Dispute Sloan Credit Reporting
- Obtain reports from Equifax, Experian, and TransUnion.
- Identify the exact account and disputed information.
- Gather statements, payment confirmations, transfer notices, and correspondence.
- Submit a direct dispute to Sloan.
- Submit a dispute to each credit bureau reporting the error.
- Retain confirmation and investigation results.
State whether you dispute the balance, payment history, delinquency date, account ownership, transfer status, identity, or another specific field.
Do not send original documents. Remove unrelated Social Security numbers, account numbers, and personal information from copies when possible.
Student Loan Transfers to Sloan Servicing
A servicing transfer changes the company handling billing and account support. It does not normally change the underlying interest rate, loan balance, or promissory-note terms.
After a transfer:
- Create or access the Sloan online account.
- Verify the balance and loan details.
- Confirm the next payment date.
- Reestablish auto debit when required.
- Update electronic correspondence preferences.
- Save records from the former servicer.
- Check that prior payments and account status transferred correctly.
Contact both the former and new servicer when a payment made near the transfer date is missing.
Loan Holder and Guaranty Agency Questions
Sloan may service the account without owning the loan. The loan holder or guaranty agency may need to address certain questions involving:
- Loan ownership
- Default claims
- Settlement authority
- Rehabilitation
- Collection assignments
- Some discharge decisions
- Original loan records
Ask Sloan for the current loan holder and guaranty agency when that information is not shown in the online account or statement.
Sloan Servicing Identity Theft and Scam Warnings
Be cautious when a caller, email, text message, or website:
- Promises immediate student-loan forgiveness
- Demands an upfront enrollment or consolidation fee
- Requests your Federal Student Aid password
- Asks for a one-time authentication code
- Requests payment through gift cards or cryptocurrency
- Claims that Sloan requires remote access to your device
- Threatens immediate arrest
- Uses a website address that resembles but is not SloanServicing.com
Federal consolidation and federal repayment-plan applications do not require paying a third-party enrollment company.
End suspicious contact and independently call Sloan at 1-833-597-5626.
How to File a Sloan Servicing Complaint
- Contact Sloan customer service.
- Explain the issue in chronological order.
- Identify the loan and transaction involved.
- State the resolution requested.
- Ask for a case or reference number.
- Submit a written request with supporting documents.
- Request supervisory or Customer Solutions review if necessary.
- Retain all responses and account records.
A written complaint may concern:
- A missing or misapplied payment
- Incorrect balance or interest
- Repayment-plan processing
- Deferment or forbearance processing
- Credit reporting
- Account-transfer problems
- Payoff errors
- Unauthorized disclosure
- Failure to respond to a written request
External Student Loan Complaint Options
If Sloan does not resolve the issue, possible escalation routes include:
- The loan holder or guaranty agency
- An applicable state student-loan advocate or ombudsman
- The state financial regulator identified for the borrower’s residence
- The Consumer Financial Protection Bureau
- Federal Student Aid when the complaint falls within its authority
- A consumer or student-loan attorney when legal deadlines or significant losses are involved
An external complaint does not automatically stop payments, delinquency, credit reporting, collection activity, or a legal deadline.
About Sloan Servicing and Nelnet
- Servicing Brand: Sloan Servicing
- Servicing Entity Identified by Sloan: Nelnet Servicing, LLC
- NMLS ID: 1508613
- Parent Company: Nelnet, Inc.
- Nelnet CEO: Jeffrey R. Noordhoek
- Nelnet Diversified Services President: Joe Popevis
- Nelnet Principal Executive Office: 121 South 13th Street, Suite 100, Lincoln, NE 68508
Nelnet’s corporate headquarters is not a walk-in Sloan customer-service, document-processing, payment, consolidation, or forgiveness center. Borrowers should use Sloan’s official telephone, online account, email, and mailing routes.
Related Student Loan Customer Service Pages
Nelnet is Sloan Servicing’s parent company and operates separate servicing platforms. Navient is a separate student-loan servicing company. Use the company currently identified on the loan statement and StudentAid.gov account.
Sloan Servicing Customer Service FAQs
What is the Sloan Servicing customer-service phone number?
Call 1-833-597-5626, also expressed as 1-833-59-SLOAN.
What are Sloan Servicing customer-service hours?
Sloan currently lists call-center hours of Monday through Friday from 9:00 a.m. to 7:00 p.m. Eastern Time.
How do I call Sloan Servicing internationally?
Call 1-531-310-5286.
What is the official Sloan Servicing website?
The official website is SloanServicing.com. Use the official site to log in, make payments, upload documents, and review repayment information.
Is Sloan Servicing the same as Nelnet?
Sloan Servicing is a brand under the Nelnet corporate organization. It primarily services commercially held FFEL and other commercial education-loan accounts, while Nelnet also operates separate Federal Student Aid and banking platforms.
Does Sloan Servicing make student loans?
Sloan is primarily a loan servicer rather than a new-loan originator. It handles billing and account administration for loans owned by lenders or other holders.
Why was my Nelnet loan moved to Sloan Servicing?
Nelnet created Sloan as the consumer-facing servicing brand for commercially held FFEL and commercial education-loan accounts. The transfer changes the servicing platform but does not normally change the original loan terms.
How do I make a Sloan Servicing payment?
Eligible payment methods include online account payment, auto debit, telephone payment, bank bill pay, and mail. Use the payment address shown on the current statement because addresses vary by account.
How do I lower my Sloan student-loan payment?
Contact Sloan and ask about repayment-plan changes, Income-Based Repayment eligibility, deferment, forbearance, or whether Direct Consolidation should be evaluated.
Can Sloan Servicing consolidate my student loans?
No. An application for a federal Direct Consolidation Loan is submitted through Federal Student Aid. Sloan can provide account information but does not issue the Direct Consolidation Loan.
Do Sloan-serviced FFEL loans qualify for Public Service Loan Forgiveness?
FFEL loans do not directly qualify for PSLF. An eligible FFEL loan may become eligible after consolidation into a Direct Consolidation Loan, subject to current federal rules.
How do I request deferment or forbearance?
Log in to the Sloan account, review the available forms and repayment resources, or call customer service. Continue making payments until approval and effective dates are confirmed.
How do I obtain a Sloan payoff amount?
Request an updated payoff amount through the account or customer service. Do not rely solely on the principal balance because interest may continue accruing.
How do I dispute Sloan credit reporting?
Submit a written direct dispute to Sloan and a separate dispute to each credit bureau displaying the alleged error. Include copies of supporting records.
Where should I mail Sloan Servicing correspondence?
General correspondence can be sent to P.O. Box 87865, Lincoln, Nebraska 68501. California residents are currently directed to P.O. Box 87258, Lincoln, Nebraska 68501. Use the address printed on a specific form when it differs.
Who is the CEO of Sloan Servicing?
Sloan does not publish a separate brand CEO in the current sources reviewed. Jeffrey R. Noordhoek is CEO of parent company Nelnet, Inc.
Sloan Servicing Customer Service Reviews and Complaints
The review section below allows borrowers to share firsthand experiences involving Sloan Servicing payments, auto debit, repayment plans, deferment, forbearance, account transfers, payoff requests, credit reporting, online access, written requests, discharge processing, and complaint handling.
No Sloan Servicing reviews have currently been submitted on this page. The displayed 0/5 means that no ratings have been submitted; it is not a zero-star customer verdict.
Clearly identify whether the issue involved Sloan Servicing, Nelnet, the loan holder, guaranty agency, Federal Student Aid, Department of Education, lender, school, credit bureau, collection agency, or another servicer.
Share Your Sloan Servicing Experience
Describe the approximate date, loan or servicing issue, support route used, processing time, response received, and final outcome.
Do not post a Social Security number, Sloan account number, loan number, StudentAid.gov credentials, password, authentication code, payment-card or bank information, tax return, income documentation, credit report, payoff statement, medical record, dispute number, home address, private telephone number, or photographs of identity documents.
Page Update Note
This Sloan Servicing customer-service page was updated on July 28, 2026, to correct call-center hours, add the international number and current written-contact information, distinguish Sloan from Nelnet and Federal Student Aid servicing, clarify commercially held FFEL loans, correct the corporate-address description, add payment and auto-debit guidance, explain repayment plans, deferment, forbearance, consolidation, forgiveness, payoff and credit reporting, add complaint and scam guidance, address SloanServicing.com login search intent, and accurately describe the live CustomerServiceNumbers.com review count.
Customer Service Numbers Disclaimer
CustomerServiceNumbers.com is not affiliated with Sloan Servicing, Nelnet Servicing LLC, Nelnet Inc., Nelnet Bank, Federal Student Aid, the U.S. Department of Education, a lender, loan holder, guaranty agency, school, credit bureau, collection agency, financial regulator, or government agency.
This page is provided for informational and customer-review purposes. Telephone numbers, hours, addresses, repayment plans, interest incentives, payment methods, federal programs, consolidation rules, forgiveness requirements, executives, and complaint procedures can change. Verify important information through Sloan, the loan holder, Federal Student Aid, and the documents governing the loan.
CustomerServiceNumbers.com cannot access an account, process a payment, change a repayment plan, approve deferment or forbearance, consolidate a loan, grant forgiveness, correct a credit report, stop collection activity, issue a payoff statement, or decide a complaint. Contact the responsible servicer, lender, guaranty agency, regulator, attorney, credit bureau, or government agency directly.