Every student loan on a credit report was put there by a company — the servicer or lender that reports the account to Equifax, Experian and TransUnion each month. When something on the report is wrong, that company is where the error started, and knowing which one reports your loans is the first step in fixing it. This page lists who they are.
Federal loan servicers
The U.S. Department of Education assigns every federally held loan to a servicer. Its official list, published at StudentAid.gov, currently names Edfinancial, MOHELA, Aidvantage, Nelnet and ECSI, with the Default Resolution Group handling loans in default. You can confirm which one holds your loans by logging in at StudentAid.gov and checking your account dashboard — do not rely on old statements, because loans are transferred between servicers.
- Nelnet — one of the largest federal servicers. Our page on Nelnet and your credit report covers how its reporting goes wrong and how to dispute it.
- Aidvantage — the servicer that took over much of Navient’s federal portfolio. See Aidvantage and your credit report.
- MOHELA — the Missouri Higher Education Loan Authority, servicer for many borrowers including those pursuing Public Service Loan Forgiveness. See MOHELA and your credit report.
- Edfinancial — a federal servicer based in Tennessee. See Edfinancial and your credit report.
- ECSI — services Perkins and institutional loans on behalf of colleges and universities. See Heartland ECSI and your credit report.
- CRI (Central Research, Inc.) — a newer federal servicer operating at cri.StudentAid.gov; borrowers are being transferred to it from other servicers. See Central Research and your credit report.
- Default Resolution Group — handles federally held loans in default, including collections and loan rehabilitation.
Private lenders and servicers
Private student loans are reported by the lender or its servicing arm rather than a Department of Education servicer.
- Sallie Mae — the largest name in private student lending. See Sallie Mae and your credit report.
- Navient — no longer a federal servicer, but still reporting private loans and legacy accounts. See Navient and your credit report.
- SoFi — a major refinancing lender; a refinanced federal loan becomes a private one and is reported by the new lender. See SoFi and your credit report.
Where to send a credit dispute
Each servicer publishes its own route for credit disputes. These are the addresses each company publishes on its own official site, confirmed in August 2026 — and whichever servicer route you use, you can always dispute directly with the credit bureaus as well. Our page on student loan credit report errors explains how to write the dispute and what to attach.
- Aidvantage — publishes a dedicated credit dispute address on its credit reporting page: Aidvantage – Federal Student Aid Loan Servicing, Attn: Credit Bureau Management, P.O. Box 300001, Greenville, TX 75403-3001. Include supporting paperwork and say specifically what is wrong.
- MOHELA — credit report adjustment requests go to MOHELA, 633 Spirit Drive, Chesterfield, MO 63005-1243, or by document upload in your online account. Its credit page says it reports monthly to four bureaus — Equifax, Experian, TransUnion and Innovis — and begins reporting a delinquency once it is 90 days past due.
- Nelnet — publishes no separate dispute box; disputes go with general correspondence to Nelnet, P.O. Box 82561, Lincoln, NE 68501-2561 (fax 877-402-5816). Payments do not go to this address.
- Edfinancial — Edfinancial Services, Attention: Credit Disputes, P.O. Box 30159, Knoxville, TN 37930-0159, with the report page highlighted and supporting documentation attached.
- ECSI — disputes on Perkins and institutional loans usually run through the school that owns the loan. Start with the school’s billing office and the borrower site at heartland.ecsi.net, and get the school’s records in writing.
Why the transfers matter
The Department of Education’s servicer page has a section titled “Understanding Loan Transfers” for a reason: federal loans routinely move from one servicer to another. Each transfer is a place where reporting can break — the old account not closed out, the new one opened with the wrong history, or both reporting at once. If your report shows two tradelines for one loan, or a history that changed character the month a new servicer took over, start with our page on student loan credit report errors.
Have your report reviewed
The Kim Law Firm represents borrowers in Fair Credit Reporting Act cases against student loan servicers, private lenders, and the credit bureaus. Contact us to have your credit report reviewed.
Admitted in Pennsylvania and New Jersey; available to appear pro hac vice in other federal courts.
This page is for consumers checking their own credit reports. The Kim Law Firm is not affiliated with the Department of Education or any loan servicer listed here.