Escalate Anything

Edfinancial Services

Federal student loan servicers.

ACredibility A · last verified 2026-10-12 · 100% official or government sources
What does this mean?

Grade A (high: almost everything comes from official pages read directly). 100% of 21 sources are the organization's own pages or government sites.

WebsiteSign in to your accountOpen in the interactive directoryJSON

Get help with (2)

Contacts (9)

Phone

Online forms

Online tools and accounts

Email

Mail

  • Forms, documentation and letters
    Edfinancial Services, P.O. Box 36008, Knoxville, TN 37930-6008

    Use for: Student loan servicing problem

    Source: edfinancial.studentaid.gov, verified 2026-10-12

  • Payments by mail
    US Department of Education, P.O. Box 790322, St. Louis, MO 63179-0322

    The page says to send all payments with your new account number to this address, and that the payment address can differ by loan program; check your billing statement or online account. Put your name, account number and payment amount on the check or money order.

    Source: edfinancial.studentaid.gov, verified 2026-10-12

  • Credit reporting disputes
    Attention: Credit Disputes, P.O. Box 30159, Knoxville, TN 37930-0159

    Include a copy of the credit report with the disputed items marked, supporting documents and a cover letter that asks for the update.

    Use for: Sent to collections

    Source: edfinancial.studentaid.gov, verified 2026-10-12

Escalation path

Go up one step at a time. Keep the reference numbers and dates from each contact.

  1. Customer service

    PhoneGeneral inquiries and phone payments (toll free) +1-855-337-6884

  2. Written complaint

    MailForms, documentation and letters Edfinancial Services, P.O. Box 36008, Knoxville, TN 37930-6008

    Or a secure message or upload through the online account. Keep copies.

  3. Federal regulator

    RegulatorU.S. Department of Education, Federal Student Aid +1-800-433-3243

  4. Federal regulator

    RegulatorConsumer Financial Protection Bureau +1-855-411-2372

  5. State agency

    Your state’s attorney general. Find it in the list of state agencies (also as JSON: states/<code>.json, for example states/ny.json).

Known blockers

  • The online account, secure upload and payment tools need the borrower's login.
  • Edfinancial's home page still shows an outdated note that IDR and PSLF count adjustments would be done by July 1, 2024.

Scam warnings

Official domains

  • edfinancial.studentaid.gov

Real links and emails from Edfinancial Services end in one of these.

Edfinancial Services will never ask you for

  • Federal Student Aid says the U.S. Department of Education and its partners, including loan servicers, will never ask for your StudentAid.gov account username or password (your FSA ID login).

    Source: studentaid.gov, verified 2026-10-12

  • Edfinancial says you can call your servicer about repayment options, including income-based plans, and that you don't have to pay someone for this assistance.

    Source: edfinancial.studentaid.gov, verified 2026-10-12

Known scams

  • Edfinancial warns about third-party debt relief companies. It says to research a company carefully to make sure its offer is legitimate, and to reset your FSA ID or Edfinancial password if you gave the company that login.

    Source: edfinancial.studentaid.gov, verified 2026-10-12

  • Federal Student Aid warns that scammers often ask for an up-front or monthly fee while promising immediate and total student loan cancellation. Most federal forgiveness programs require years of qualifying payments or employment in certain fields.

    Source: studentaid.gov, verified 2026-10-12

  • Federal Student Aid says aggressive forgiveness messages, such as ones that tell you to act immediately before a program is discontinued or that your loan is flagged for forgiveness and you must call now, do not come from the Department of Education or its partners.

    Source: studentaid.gov, verified 2026-10-12

Report phishing

For the whole industry, read Federal student loan servicers — how complaints work.

Verification notes

Edfinancial Services is headquartered in Knoxville, Tennessee (NMLS Company ID 1509247) and services federal student loans for Federal Student Aid, U.S. Department of Education. Its site does not name a parent company. No 2025-2026 change to Edfinancial's federal servicing role was confirmed on a source.

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