• The holders of your loans - Federal, institutional or private loans. They sometimes hire servicers to manage the loan repayment activities such as billing, collections, and deferments. Keep all communications with your lenders and servicers.
• If your loans are passed on to servicers, the terms of your loan do not change. If your loans are sold, the lender will notify you.
• Lenders/servicers are to notify you when you are to start repayment and how much the monthly payments will be. If you do not hear from your lender or servicer by the middle of June, call or write to them. Make sure they have your current address and telephone number. Remember, you are responsible for repaying the loan so you want to make sure you and your lender/servicer don't lose touch.

Don't know who your lenders are?

• If you want to find out the current loan holder/s of your total Federal loan debt, you can do so by logging on to: www.nslds.ed.gov. (National Student Loan Data System) This is the U.S. Department of Education's central database for student aid.

Don't have a PIN from the DOE?

• If you don't have a PIN from the Dept. of Education, you can request one at:
  www.pin.ed.gov/PINWebApp/pinindex.jsp.
• If there is a problem that you can't resolve with your lender or servicer, it may be resolved with the help of the Department of Education's Office of the Ombudsman in Washington, D.C. This is an impartial and confidential resource for informally solving Federal student aid complaints/problems.
• Toll free phone: 1-877-557-2575
  Ombudsman.ed.gov.