How to See if Your Federal Student Loans are Owned by the U.S. Department of Education

If your federal loans aren’t owned by the U.S. Department of Education, you need to consolidate them into the Direct Loan Program to be eligible for the One-Time Adjustment and Pandemic Payment Pause.

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Steps

  • Log in to your Federal Student Aid (FSA) Account at studentaid.gov. If you haven’t already set up an FSA ID, please create one.   

  • Once logged in, you’ll see your account dashboard. 

  • Next to "My Aid", click "View Details"

  • Then, scroll down to the “Loan Breakdown” section, where you'll see a list of your loans, including loans you paid off or consolidated into a new loan.  

  • Review the loans that have an outstanding balance.   

  • If the name of the loan’s servicer starts with “Dept. of Ed” or “Default Management Collection System,” that loan is owned by the U.S. Department of Education. However,  if the name of the servicer starts with either a company’s name or a school’s name, the loan is not owned by the U.S. Department of Education and needs to be consolidated in to the Direct Loan Program to be eligible for the One-Time Adjustment and Pandemic Payment Pause.  

  • WARNING: Don’t consolidate loans owned by the U.S. Department of Education with loans that are not owned by the U.S. Department of Education if you want your Department-owned loans to be eligible for the One-Time Student Loan Debt Relief.
Loan Ownership breakdown
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