How to Know if Your Student Loans Are Federal

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Editor’s note: Lantern by SoFi seeks to provide content that is objective, independent, and accurate. Writers are separate from our business operation and do not receive direct compensation from advertisers or network providers. Read more about our Editorial Guidelines and How We Make Money.
Understanding the Difference Between Federal and Private Loans
Federal Student Loans
Private Student Loans
How to Know If You Have Federal Student Loans
Recognize Key Federal Loan Features
Review Student Loan Servicer Information
Edfinancial MOHELA Aidvantage Nelnet ECSI Default Resolution Group CRI
Verify Loan Status With the School
Check Billing Statement
Differentiating Federal and Private Loan Companies
The Importance of Financial Literacy
The Takeaway
Frequently Asked Questions
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About the Author
Rebecca Safier has nearly a decade of experience writing about personal finance. Formerly a senior writer with LendingTree and Student Loan Hero, she specializes in student loans, financial aid, and personal loans. She is certified as a student loan counselor with the National Association of Certified Credit Counselors (NACCC).
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