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We're the Consumer Financial Protection Bureau (CFPB), a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly.

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How do I determine who to pay and when to pay my private student loans?


For private student loans, your lender or servicer should provide you with information on how, when, and to whom to pay your loan. 

This can come in the form of a monthly email or a billing statement that is sent to you by U.S. mail each month. Some lenders provide a “welcome kit” or phone call when a borrower enters repayment. Contact your loan servicer for more information.

Your servicer should be listed on your original loan paperwork (such as a promissory note or disbursement notice). If you can’t find those papers, your school’s financial aid office may be able to assist you in locating your lender or servicer.

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The content on this page provides general consumer information. It is not legal advice or regulatory guidance. The CFPB updates this information periodically. This information may include links or references to third-party resources or content. We do not endorse the third-party or guarantee the accuracy of this third-party information. There may be other resources that also serve your needs.