United states department of education student loans phone number

Who do I call about my student loans?

1-800-433-3243

Is Myeddebt Ed GOV real?

This myeddebt . ed . gov site is the centralized Web portal for any information and activities related to defaulted federal education debt for the U.S. Department of Education. Unauthorized use of this information system is prohibited and subject to criminal and civil penalties.

How do I find out how much I owe the US Department of Education?

Figuring out how much you owe in federal loans is relatively easy. The National Student Loan Data System (NSLDS), a database managed by the Department of Education , shows you how much you owe in federal student aid. It also tells you who your loan servicer is now.

How do I get my student loans forgiven?

The Public Service Loan Forgiveness (PSLF) Program forgives the remaining balance on your Direct Loans after you have made 120 qualifying monthly payments under a qualifying repayment plan while working full-time for a qualifying employer. Learn more to see whether you might qualify.

Do student loans go away when you die?

If you die , then your federal student loans will be discharged after the required proof of death is submitted.

What happens if you Cannot pay student loans?

If you miss a payment on your federal student loans you have 270 days to make a payment before your debt goes into default. Once federal student debt is in default, the government is able to garnish your wage, your Social Security check, your federal tax refund and even your disability benefits.

What qualifies for loan forgiveness?

If you teach full-time for five complete and consecutive academic years in a low-income elementary school, secondary school, or educational service agency, you may be eligible for forgiveness of up to $17,500 on your Direct Loan or FFEL Program loans .

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How do I find out about my student loan debt?

Use your My Federal Student Aid account or the National Student Loan Data System (NSLDS) to find out how much you owe in federal loans and visit AnnualCreditReport.com or call your school’s financial aid office to find out your private loan balance.

Who do I contact about defaulted student loans?

1-800-621-3115

Does student loans go away after 7 years?

Your responsibility to pay student loans doesn’t go away after 7 years . But if it’s been more than 7.5 years since you made a payment on your student loan debt , the debt and the missed payments can be removed from your credit report. And if that happens, your credit score may go up, which is a good thing.

How do I get my 1098 E from US Department of Education?

Your student loan servicer (who you make payments to) will provide a copy of your 1098 – E if the interest you paid in 2019 met or exceeded $600. Your servicer may send you your 1098 – E electronically or via U.S. Postal Service. Check with your servicer if you haven’t yet received your 1098 – E for 2019.

How can I stop student loans from taking my taxes?

How can I stop student loans from taking my refund? Request a copy of your loan file. Challenge the offset if you have reason to believe it is incorrect. Contact the loan provider or Department of Education and set up a payment arrangement. Adjust your withholdings on your W2s.

Will I get a stimulus check if I owe student loans?

If your federal student loans are in default there’s good news: You’ll get a temporary reprieve on wage garnishment and you’ll also get a stimulus check from Uncle Sam. Under the CARES Act, the government won’t withhold the money you owe for defaulted federal student loans out of your payment.

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How do I know if I qualify for student loan forgiveness?

To qualify for the Public Service Loan Forgiveness program (PSLF), you must be a full-time employee (at least 30 hours per week) in a public service job. You must also make 10 years of on-time monthly payments (120 total) after consolidating your federal loans in a qualified repayment program.

Can you buy a house with student loan debt?

Still, it’s entirely possible to get a mortgage while juggling student debt , experts say. The student loans will affect your eligibility for a mortgage in two ways, said Mark Kantrowitz, the publisher of SavingForCollege.com. For one , your payment history on the loans will impact your credit score, he said.