Lender/Loan holder
The organization that lent you the funds or that currently owns your loans will be in contact with you when your payments become past due. Your best course for resolving your past-due account is to work with your lender.

Servicer
Some lenders contract with third-party organizations to administer education loans. In this case, your servicer will work with you on behalf of your lender.

Guarantor
If you allow your payments to become seriously past due, the organization that guaranteed your loan will join with your lender or servicer in an effort to resolve your payment problem. USA Funds^® is an education-loan guarantor.

School
In an effort to assist their graduates, many colleges, universities and career schools contact borrowers when they fall behind in their loan payments.

National Student Loan Data System
If you don't know which organization holds or services your loan, you can use this site to find out whom to contact. NSLDS is the U.S. Department of Education's central database for student aid. The site displays information about loan amounts, outstanding balances, loan status, and disbursements.