Ways to Make a Payment

There are several options available for making your student loan payments, such as making payments via automatic debit or online. You can make extra payments on your loan(s) at any time and, if you have multiple loan groups, payments may be targeted to specific groups. If you have loans with more than one servicer, you will need to make a payment to each loan servicer.

If you have multiple student loans, they may or may not be serviced by the same company. Not sure how many loans you have or who is servicing them? You may visit the National Student Loan Data System (NSLDS) for an overview of all of your federal student loans (private student loans will not be listed on NSLDS). You will need your federal personal identification number (PIN) to access NSLDS. If you don't have a PIN, you can request one at the Federal Student Aid PIN Website.


By selecting the KwikPay option, your payments will be automatically debited each month from your checking or savings account. This option allows for convenient and timely payments without the hassle of mailing your payment or remembering to pay them online each month.

To register for KwikPay, login in to Manage My Account. If you have never accessed your account online, you will first need to create a username and password. Once you have logged in, select the option to ‘Manage KwikPay® (auto-debit)’ under the ‘Make a Payment’ menu.

Edfinancial Services will debit your bank account on your due date or, if your due date falls on a weekend or a holiday, on the first business day after your due date. Your payment will be posted to your student loan account within three to five business days and will be made effective for your due date.

Pay Online

Log into Manage My Account to make a single online payment for the current date or a date in the future. If you have never accessed your account online, you will first need to create a username and password. Select ‘Pay Now’ under the ‘Make a Payment’ menu. You can also receive your billing statements online by selecting ‘Sign up for eStatements’ under the ‘Message Center’ menu.

Authorize others to make payments on your account by logging into Manage My Account and selecting the ‘Payment Profiles’ tab under ‘My Info and Preferences’. You will provide a name and an email address for the authorized payer to establish a username and password.

Pay with a Bill Pay Service

If you make your student loan payments through your bank or another online bill pay service, please ensure your service is updated with the correct account number and payment address. You will be able to find your account number and payment address on your billing statement or by logging into Manage My Account.

Pay by Mail

If you make your payment each month by mailing a check or money order, please make sure your name, account number and correct payment amount is listed. Also, be sure to mail your payment several days prior to your due date to ensure that it is received on time. Your payment will be made effective for the date it was received. Save a stamp and be paper free by considering one of the online electronic methods above. You can also register to receive electronic statements and other correspondence through our secure My Secure Messages within Manage My Account.

Direct Loans
Use for account numbers beginning with "F"

Toll Free (general inquiries and phone payments):

FFELP & Private Loans
Use for account numbers beginning with "C"

Toll Free (general inquiries):
Toll Free (phone payments):

Pay by Phone

You may make payments with your checking or savings account information through our automated voice response system 24 hours a day at 1-866-709-0202. You may also speak to a representative to make your payment during our normal business hours; however, you may be assessed a convenience fee.