Student Loan Help

Student Loan Payment Simulator – Free Planning Tool

Did you know that you may be eligible to pay nothing on your federal student loans AND remain in good standing with your student loan? And there is no cost to you for this service. Using the Federal Student Aid’s Loan Simulator a single graduate with two dependents earning $30,000 annually is expected to make no student loan payments under the “Pay As You Earn (PAYE) Repayment Plan” (loan simulator as of June 18, 2025). Visit https://studentaid.gov/loan-simulator/ to see what your Student Loan Repayment options are. Once you’ve reviewed your options and are ready to choose, contact our trusted partners at Inceptia for free help in taking you through the process of selecting the repayment plan that is best for you.

Student Loan Help for Free from Inceptia

We want to make sure you succeed! We have teamed up with our trusted partners at Inceptia to provide you with free help in managing your Federal Student Loan. As a nonprofit dedicated to student success, Inceptia may reach out to, advise you on Federal student loan borrowing and repayment, and make sure you meet important deadlines. For more information on Inceptia, visit Inceptia.org/studentsupport

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Find Your Student Loan

Are you not sure how many loans you have or which company is servicing them? Your student loans may or may not all be with the same servicer, so it's important to find out which companies are servicing your loans.

For more help finding your loans, use the site below.
https://edfinancial.studentaid.gov/finding-your-student-loans
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Loan Servicer Contact Information
Servicer Name	System Name	System Acronym	City / State	Zip Code	Website URL
Educational Computer Systems, Inc.	DOEDPerkins - Department of ED/Perkins	DOEDPerkins	Warrendale, PA	15086	https://borrowerefpls.ed.gov
Oklahoma Student Loan Authority	NFPOSLA - Oklahoma Student Loan Authority (OSLA)	NFPOSLA	Oklahoma City, OK	73105	https://okhelp.org/
Pennsylvania Higher Education Assistance Agency	PHCS - Pennsylvania Higher Education Assistance Authority (PHEAA)	PHCS	Harrisburg, PA	17102	https://www.pheaa.org/
Central Research, Inc.	Unified Servicing and Data Solution - Central Research, Inc.	USDS-CRI	Lincoln, NE	68501	https://cri.studentaid.gov
Edfinancial Services	Unified Servicing and Data Solution - EDFinancial	USDS-EDFinancial	Knoxville, TN	37922	https://edfinancial.studentaid.gov
Maximus Education LLC dba Aidvantage	Unified Servicing and Data Solution - Maximus Education Aidvantage	USDS-MaxEDADVS	Reston, VA	20190	https://aidvantage.studentaid.gov
Missouri Higher Education Loan Authority	Unified Servicing and Data Solution - MOHELA	USDS-MOHELA	Chesterfield, MO	63005	https://mohela.studentaid.gov
Nelnet, Inc.	Unified Servicing and Data Solution - Nelnet	USDS-Nelnet	Lincoln, NE	68501	https://nelnet.studentaid.gov

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