How to Find Information on Past Due Student Loans

When you accept a student loan to finance your education, you are expected to begin repaying the student loan after a certain period of time. Missing a few payments will result in contact from your lender, and perhaps even a collection agency, demanding immediate payment. A lender can easily lose track of you over time, however, if you move or change your telephone number. Should you find yourself in a position in the future where it may be possible to pay off past-due student loans, you must get information about the loans, and to whom you owe the debt, before you can submit a payment.

Instructions

1

Search for any old bills or statements that you have from your lender regarding your student loan. Old bills and statements will often contain the information about the past-due student loan that you need either to contact your lender or merely to review the debt.

2

Visit the National Student Loan Database at nslds.ed.gov if your student loan is federal. This database keeps a comprehensive record of student loans and borrowers that can help you locate your loan and find out how much you owe.

3

Pull your credit reports. Your student loan debt, the name of your lender and your lender's contact information will appear on your credit report. Because each of your credit reports may contain different information, it is important that you review all three of your reports. You may pull your credit reports for free once a year at annualcreditreport.com.

4

Call your lender and provide the representative you are referred to with information that identifies you as the owner of the account, such as your full name, Social Security number, past addresses or the name of the school you attended.

5

Ask for a printout to be mailed to you detailing the amount of the debt and any interest that has accrued in the period of time in which the loan has been past due. Keep the printout for your records.