YOU ARE NOT REQUIRED TO MAKE ANY PAYMENT OR TAKE ANY OTHER ACTION IN RESPONSE TO THIS OFFER. Have your 10-digit student loan account number as well as your checking account information available. You will want to keep that account information with your other important documents so you can easily access your online account and manage your debt. Actual payments and figures may vary. Bonus cannot be issued to residents in KY, MA, or MI. Your loan application will be submitted to the lending partner and be evaluated at their sole discretion. Most students manage Edfinancial student loans online through edfinancial.com. The U.S. Department of Education assigns loan to these companies: CornerStone : 1-800-663-1662 Additionally, the federal student loan payment pause and interest holiday has been extended beyond December 31, 2022. Variable rates from 5.09% APR to 8.99% APR with a 0.25% autopay discount. For the $1,050 Welcome Bonus offer, $500 will be paid directly by Student Loan Planner via Giftly. To do this, you will need your FSA ID and password. $200 for 50k to $99,999. This isnt a good choice if the student is interested in obtaining Public Service Loan Forgiveness (PSLF). On March 30, 2022, the Bureau issued an order against Edfinancial Services, LLC. A student loan account number is assigned to you by that loan servicer, who is your best resource for all loan issues. (www.nmlsconsumeraccess.org). 1. Using this number, you can contact your loan servicer with questions about your federal loans and alternative repayment plans. You can find your Aidvantage student loan account number and interest rate on your billing statement and online at . Your student loans may or may not all be with the same servicer, and it's important to find out which companies are servicing your loans. These can include your monthly student loanbilling statementsor potentially any updates about your account. Your loan servicer can help you find the best repayment plan option. What can you do if EdFinancial Services is your loan servicer? As far as private student loans go, the lender is typically a bank or other financial institution. To sign up for an account, click on "Register" at the top right of the screen. Should You Use a HELOC to Pay Off Credit Card Debt? Step 2 Fill out the form. Borrowers must complete the Refinance Bonus Request form to claim a bonus offer. You may also need this number when applying for a credit card or other loan, and if you decide to refinance your student loan. For the $200 Welcome Bonus offer, Earnest will automatically transmit the $200 bonus to your checking account after the final disbursement. Whenever you log onto your online account, you should see prompts that will direct you to your account number. The first place to look for your student loan account number is on your billing statements or any other paperwork your student loan servicer has sent you by email or in a snail mail letter. Simply go to your loan servicerswebsite, input your username and password, and check your account to locate your student loan account number. To qualify, a borrower must be a U.S. citizen or other eligible status and and meet SoFi's underwriting requirements. Have you tried chatting with Eddie, our virtual agent? Because each lenderis different and has its own protocol, there isnt a student loan account numberthat is the same across private loan lenders. Customers who are approved for and close a loan will receive the $300-$500 bonus through Splash Financial. However, by referencing your loan servicer, monthly statements, and the resources listed above, you can find it ASAP. You can visit StudentAid.gov to see a list of our trusted federal student loan servicers, or submit a complaint directly to the FSA Ombudsman. If the applicant becomes an ELFI customer, they may participate in the referral bonus by becoming the referring party. Tiered 300 to 575 bonus for 50k to 149k. Heres an example from loan servicer, EdFinancial Services: Unsure of who your loan serviceractually is? Interest is charged starting when funds are sent to the school. If they cant answer your questions directly, theyll know where to find the answers you need. Lowest rates are reserved for the most creditworthy applicants and will depend on credit score, loan term, and other factors. Learn more. Don't Have an Account? 2023 Social Finance, Inc. All rights reserved. Our lowest rates are only available for our most credit qualified borrowers and contain our .25% auto pay discount from a checking or savings account. APRs for variable-rate loans may increase after origination if the SOFR index increases. Such monitoring may result in the acquisition, recording, and analysis of all data being communicated, transmitted, processed, or stored in this system by a user. So, how do you find your student loan account number for federal loans? Using your student loan account number, you can easily view your remaining loan balances and how much interest youve accumulated. Fixed rates range from 4.64% APR to 9.24% APR (excludes 0.25% Auto Pay discount). Select a product below and get your rate in just minutes. If monitoring reveals possible evidence of criminal activity, such evidence may be provided to law enforcement personnel.ANYONE USING THIS SYSTEM EXPRESSLY CONSENTS TO SUCH MONITORING. Additional terms and conditions apply. Please carefully consider these changes before refinancing federally held loans with SoFi, since the amount or portion of your federal student debt that you refinance will no longer qualify for the federal loan payment suspension, interest waiver, or any other current or future benefits applicable to federal loans. All rates listed represent APR range. Disclaimers: Student Loan Planner is located at 1011 S Hamilton Road, Suite 300, Chapel Hill, NC 27517. The lowest APRs shown for residency, bar exam, private consolidation and parent loans are available for the most creditworthy applicants and include a 0.25% interest rate reduction while enrolled in automatic payments. While the federal government or private companies lend you money for school, a separate company handles the administrative tasks of servicing the loan. You can also call the Federal Student Aid Information Center (FSAIC) at 800-433-3243 or consult the Department of Education's "Who is my loan servicer?" site for more information. Extended repayment plan: Payments can be made during a period of up to 25 years. Federal student loan payments have been paused since the onset of the COVID-19 pandemic in March 2020. The bonus amount will depend on the total loan amount disbursed. Your account numbercan help you verify that the student loansare associated with you as a borrower. By visiting the Student Loan Planner website, you accept and agree to be bound by Student Loan Planners Terms of Use. Be sure to contact each and every loan servicer you have for your student loans, as each will have a different account number. This benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. It should be on the top right or top left corner, right near or under your name and address. The interest rate reduction for Auto Pay will be available only while your loan is enrolled in Auto Pay. Interest rates on loans Borrowers must complete the Refinance Bonus Request form to claim a bonus offer. In order to receive this bonus, customers will be required to complete and submit a W9 form with all required documents. Edfinancial, headquartered in Knoxville, Tennessee, is a student loan servicer that services both FFELP loans, which are loans from private companies, and Direct Loans, which are loans directly from the Department of Education. To begin the qualification process for the Student Loan Planner sign on bonus, customers must apply from the link provided on https://www.elfi.com/student-loan-planner. How To Get a Personal Loan With Fair Credit, How to Use a Personal Loan to Build Credit. Student Loan Planner will confirm loan eligibility and, upon confirmation of a qualifying refinance, will send via email a $500 e-gift card within 14 business days following the last day of the month in which the qualifying loan was confirmed eligible by Student Loan Planner. In addition to consolidating your loans (if you have more than one), you can also look into forgiveness programs, refinancing, or income-driven payment plans. Earnest variable interest rate student loan refinance loans are based on a publicly available index, the 30-day Average Secured Overnight Financing Rate (SOFR) published by the Federal Reserve Bank of New York. William D. Ford Federal Direct Loan (Direct Loan) Program / Federal Family Education Loan (FFEL) Program / Federal in school deferment form pdf Verified 2 days ago Any opinions, analyses, reviews or recommendations expressed in this article are those of the authors alone. variety of repayment. Find out how Federal Student Aid partners with loan servicers to be here when you need help. Promotion is void where prohibited by state law. For a variable loan, after your starting rate is set, your rate will then vary with the market. Remember, you could have more than one loan servicer. For multi-party loans, only one party may enroll in Auto Pay. In 2012, the federal government awarded them a contract to service federal student loans. . Other servicers dont provide an account number and simply ask you for personal information, such as your birth day or social security number. Its important to note that youll want to get this directly from your loan servicer, who acts as an intermediary with borrowers. How to reach Edfinancial customer service Edfinancial phone number : 1-855-337-6884 Edfinancial hours of operation: Monday 8 a.m. - 11 p.m. Read less. Upon disbursement of a qualifying loan, the borrower must notify Student Loan Planner that a qualifying loan was refinanced through the site, as the lender does not share the names or contact information of borrowers. For the SoFi variable-rate product, the variable interest rate for a given month is derived by adding a margin to the 30-day average SOFR index, published two business days preceding such calendar month, rounded up to the nearest one hundredth of one percent (0.01% or 0.0001). You can also call 855-337-6884 during regular business hours and make your payment with a representative, but there may be a convenience fee. When you apply for federal loans, they'll be automatically assigned to a servicer by the Federal Student Aid officeand, unfortunately, you don't have a choice in the matter. Log In to Your Account Access Your Student Loan Account Make a Payment for Someone Else Enter Username Save Username Forgot Username? What Are The Different Types of Life Insurance? CFL#6054612, NMLS#1121636 (nmlsconsumeraccess.org). Borrowers must complete the Refinance Bonus Request form to claim a bonus offer. However, that number is needed for a variety of other reasons. Income-based repayment plan (IBR): There are four different plans where student loan payments factor in the borrowers income; this can be a good choice for those who plan to use PSLF, but borrowers will typically pay back more than under the standard plan. You can find your student loan account number on a billing statement or other correspondence from your loan servicer. The IRS verifies your identity (basically) by pulling a credit report on you and then asking you to repeat back selected portions of it (though, since this is automated, sometimes the questions don't make sense or draw numbers that you've never seen because your account number with your loan servicer is not the same as the trade line for the loan). Most Common Mistakes When Filing Your Taxes, Best Tax Relief Companies with a Money-Back Guarantee, Best Tax Relief Companies with Lowest Fees, Best Tax Relief Companies with Tax Attorneys On Staff, Getting Out of Tax Debt: Strategies and Solutions. The information you provide is an inquiry to determine whether Splashs lending partners can make you a loan offer but does not guarantee you will receive any loan offers. Reverse Mortgages: When Do They Make Sense? Student Loan Refinancing Loan Cost Examples. You should review the benefits of your federal student loan; it may offer specific benefits that a private refinance/consolidation loan may not offer. Eligible documentation of a competitors current rate offer, issued within 30 days of your SoFi pre-qualified rate, will be determined at SoFis sole discretion and must be for the same loan amount and repayment terms. You can find your student loan balance through your loan servicer or the Federal Student Aid website. When in doubt, talk to your schools financial aid office. ET; Tuesday - Friday 8 a.m. - 8 p.m. If you are a member of a professional association, Laurel Road might offer you the choice of an interest rate discount or the $300, $500, or $750 cash bonus mentioned above. SoFi loans are originated by SoFi Lending Corp. or an affiliate (dba SoFi), a lender licensed by the Department of Financial Protection and Innovation under the California Financing Law, license #6054612; NMLS #1121636 (www.nmlsconsumeraccess.org). Welcome. For a variable loan, after your starting rate is set, your rate will then vary with the market. How to find your student loan account number. This can help students who expect their income to increase, but they would pay more interest over time than if on the standard repayment plan. The SoFi 0.25% autopay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. But maybe this shows you that your balance is a lot higher than expected. We develop content that covers a variety of financial topics. If you are unsure who your loan servicer is, log in to StudentAid.gov or call the Federal Student Aid Information Center at 1-800-4-FED-AID (1-800-433-3243; TTY 1-800-730-8913). Avoid These Costly Mistakes, Compare Specialty Homeowners Insurance Reviews, Expert Strategies to Invest in Real Estate, How To Start Investing with $1,000 or Less, Investment Strategies to Start Building Wealth, Finding the Right Investor for Your Startup, Strategies On Increasing Your Current Income, How To Manage Your Personal Finances Successfully, Retirement Savings: Making Up for Lost Time. For $100k or more. This editorial content is not provided by any financial institution. If youre unsure of your loan servicer, you can use your FSA ID on the Federal Student Aid website. Whether any loans are in default $100 to $350 for $5k to $99,999, Instructions for Completing Direct ConsolidationLoan Application and Promissory Note. When youre trying to assess how much you owe on your student loan balanceor take steps to refinance student loansor take out a Direct ConsolidationLoan, you want to have your information ready but you need to know where to look. Contact Student LoanPlanner for a customized plan. What KInd Of Credit Do You Need For An Auto Loan? Lowest rates are reserved for the highest qualified borrowers. Earnest Operations LLC, NMLS #1204917. Not all borrowers receive the lowest rate. Visit StudentAid.gov/coronavirus for updates. For example, if youre making a payment with your loan servicer, filling out a form with them or need customer serviceassistance. CLICK HERE for more information. Even if you didn't receive a 1098-E from your servicer, you can download your 1098-E from your loan servicer's website. Rates and Terms are subject to change at anytime without notice and are subject to state restrictions. Sometimes, that content may include information about products, features, or services that SoFi does not provide. Can You Build Credit With a Prepaid Credit Card? If a borrower does not claim the Student Loan Planner bonus within six months of the loan disbursement, the borrower forfeits their right to claim said bonus. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900), NMLS Consumer Access. Calling 1-800-433-3243 to contact the Federal Student Aid Information Center (FSAIC). This post may contain affiliate links, which means Student Loan Planner may receive a commission, at no extra cost to you, if you click through to make a purchase. You will not be able to experience our site as expected because IE is no longer supported.Please upgrade your browser to a newer version such as Google Chrome or Microsoft Edge. Void where prohibited by state law. Want to figure out how much you owe, how many loans you have, who your loan serviceris, as well as interest rates? All products subject to credit approval. 7 minute read, Were here to help! Student Loan Planner will confirm loan eligibility and, upon confirmation of a qualifying refinance, will send via email a $500 e-gift card within 14 business days following the last day of the month in which the qualifying loan was confirmed eligible by Student Loan Planner. Compare Credit Monitoring Services Reviews, Top 10 Factors That Affect Your Credit Score, Uncommon Tips & Tricks To Track Your Daily Expenses, Side Jobs You Can Start Today For Extra Cash, Auto Refinance Interest Rates: Complete Guide, When Should You Refinance Your Car Loan - 3 Situations When You Should Refinance. EdFinancial has its fair share of consumer complaints . You can find your account number from correspondence with your loan servicer, online, or through your schools financial aid office. We are here to answer your questions, help you with repayment plans, and process your student loan payments. In addition, there may be choices between fixed-rate and adjustable-rate loans, and a cosigner with good credit and solid income may help the borrower get a better rate. Telephone number: 800-722-1300 (Monday through Thursday, 8:00 a.m. to 9:00 p.m. EST; Friday 8:00 a.m. to 8:00 p.m. EST) Payment address: Navient - U.S. Department of Education Loan Servicing, P.O. There is a limit of one bonus per borrower. The first step in making yes you're on just the right street for your student loan payment is to try to gather the basic info . Phone: 1-855-337-6884 Fax for Direct Loans: 800-887-6130 Fax for FFELP and Private Loans: 800-887-5936 EdFinancial Facebook Page EdFinancial Twitter Getting Away From EdFinancial If you have federal student loans with Great Lakes and would like to refinance them with another lender, you have a few options. market happenings. The bonus amount will depend on the total loan amount disbursed. Stay up to date on the latest business news and stock It can make sense to contact the lender or loan servicer to ensure that the extra can go on the principal as planned. We've been in the student loan industry for over 25 years, striving to find a better way every day to deliver exceptional student loan servicing for students and families You may also find student loan account number information in your online dashboard or profile. Credible:If you refinance over $100,000 through this site, $500 of the cash bonus listed above is provided directly by Student Loan Planner. See what SoFi can do for you and your finances. Student Loan Planner will confirm loan eligibility and, upon confirmation of a qualifying refinance, will send via email a $500 e-gift card within 14 business days following the last day of the month in which the qualifying loan was confirmed eligible by Student Loan Planner. We will notify borrowers before payments restart. If you borrowed money from the U.S. Department of Education, there are a few different ways you can check out your student loan balance. If you decide to move forward with student loan refinancing, consider SoFi. We are here to answer your questions, help you with repayment plans, and process your student loan payments. Unauthorized access, use, misuse, or modification of this computer system or of the data contained herein or in transit to/from this system constitutes a violation of Title 18, United States Code, Section 1030, and may subject the individual to civil and criminal penalties. If these documents have been misplaced, the private lenders information can typically be found on credit reports. Obtaining your loan account informationin this situation is a slightly different process. Offers from Laurel Road cannot be combined. According to the Federal Student Aidwebsite, potential loan servicersinclude: If youre set up with an online accountwith your loan servicerto make monthly student loan payments, you may be able to easily find your student loan account numberthere. Loans may increase after origination if the SOFR index increases to move forward with student loan number! You should see prompts that will direct you to your checking account information available your remaining loan and! You need servicerswebsite, input your Username and password loan with Fair,! Make a payment with a representative, but there may be a citizen. Can you Build Credit operation: Monday 8 a.m. - 11 p.m. Read less the. Servicer, monthly statements, and process your student loan account MAKE a with. Monday 8 a.m. - 11 p.m. Read less in just minutes Access your student loans, only party! In order to receive this bonus, customers will be submitted to lending. 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