Federal student loan servicers and the $1.42 trillion they manage

保存されている情報

Five companies service the entire federal Direct Loan and ED-owned FFEL book — $1,420,700,000,000 across roughly 37,460,000 loan-level recipients, as of March 31, 2026. Nelnet alone holds about a third of the balance. Only 5 servicer contracts remain after the consolidation that folded the old nonprofit and bank-run FFEL servicers into these five, so this page is a complete cross-section of the market, not a sample.

Portfolio by servicer / Servicer

Dollars outstanding / Recipients / Portfolio share

Portfolio by servicer / Nelnet

$479,200,000,000 / 12,070,000 / 33.7 %

Portfolio by servicer / AidVantage

$354,400,000,000 / 9,210,000 / 24.9 %

Portfolio by servicer / MOHELA

$315,900,000,000 / 6,730,000 / 22.2 %

Portfolio by servicer / EdFinancial

$216,100,000,000 / 6,520,000 / 15.2 %

Portfolio by servicer / CRI

$55,100,000,000 / 2,930,000 / 3.9 %

Portfolio by servicer / Total — 5 servicers

$1,420,700,000,000 / 37,460,000 / 100.0%

Balances by loan status and servicer / Servicer

Loan status / Dollars outstanding / Recipients

Balances by loan status and servicer / Nelnet

Other / $2,800,000,000 / 60,000

Balances by loan status and servicer / AidVantage

Other / $2,300,000,000 / 40,000

Balances by loan status and servicer / MOHELA

Other / $2,100,000,000 / 30,000

Balances by loan status and servicer / EdFinancial

Other / $900,000,000 / 20,000

Balances by loan status and servicer / CRI

Other / $100,000,000 / 0

Balances by repayment plan / Repayment plan

Dollars outstanding / Recipients

Balances by repayment plan / SAVE

$382,900,000,000 / 6,990,000

Balances by repayment plan / Level, 10 years or less

$281,400,000,000 / 12,930,000

Balances by repayment plan / Income-Based

$217,400,000,000 / 3,640,000

Balances by repayment plan / Pay As You Earn

$127,900,000,000 / 1,520,000

Balances by repayment plan / Level, more than 10 years

$82,700,000,000 / 1,590,000

Balances by repayment plan / Graduated, 10 years or less

$64,700,000,000 / 2,210,000

Balances by repayment plan / Income-Contingent

$55,900,000,000 / 1,310,000

Balances by repayment plan / Graduated, more than 10 years

$36,700,000,000 / 640,000

Balances by repayment plan / Alternative

$13,500,000,000 / 420,000

Balances by repayment plan / Other / no plan listed

$10,400,000,000 / 290,000

Balances by repayment plan / Income-Sensitive

$100,000,000 / 0

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