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Private Student Loan Payment Options

Students make no payments until 6 months after leaving school

Or make early payments anytime while in school.

Managing your student loans responsibly can benefit your credit rating and potentially assist your future financial goals. You have various options for making your private student loan payments, including automatic payments, paying online, by phone or mail, or at a Wells Fargo banking location.

Automatic Payment

Once you’ve left school and are receiving monthly billing statements, automatic payments can be a helpful way to ensure you never miss a payment.

With automatic payments, payments are automatically deducted from your bank account each month and you may receive a 0.25% interest rate discount. Please contact us at 1-800-658-3567 to see if your loan is eligible to receive an interest rate discount.

Whether or not you have a deposit account with Wells Fargo, Sign On to Wells Fargo Online® to set up automatic payments.

Or, if you prefer, download, complete and submit the Automatic Payment Authorization Form.

Online Transfers and Payments

You can make a payment by transferring funds from a Wells Fargo deposit account or a non-Wells Fargo account through Wells Fargo Online.

Sign On to Wells Fargo Online, select your student loan account then Make a Payment.

It could take 1 – 2 business days for this payment to reflect on your account.

Bill Pay

If you have a Wells Fargo checking account, receive and pay your bill online with Wells Fargo Bill Pay. You will receive an email notification when the bill is due and a payment confirmation the day after the payment is sent.  It is a fast and easy way to pay your bill.  Take a tour of Bill Pay or read more about how Wells Fargo Bill Pay works.

Sign On to Wells Fargo Online to access Bill Pay.

You can also make a payment through another institution’s bill pay service. Log into their website and ensure your account number is correct to prevent any delays or errors with your payment being processed on time.

Mail, Phone, or In Person

You can mail, call us, or go to a banking location to make a payment.

Mail your payment:

Wells Fargo Education Financial Services
P.O. Box 10365
Des Moines, IA 50306-0365

When mailing a check, please write your account number on the front of your check and include your remittance slip if available.

To find your 10-digit student loan account number, see the upper right-hand corner of your student loan statement or call us.

Make a payment by phone:

To make a payment over the phone you can call us at 1-800-658-3567.

Have your loan number as well as your checking account information available. You will need your checking account number and routing number, which you can find on the bottom of your checks.

Make a payment in person:

If it’s more convenient, you can also bring your payment to any Wells Fargo bank location.


 New Student Loan Customers: 

Your student loan will appear in online banking usually within 2 to 3 business days after the initial disbursement.

Do you have more than one loan with us?

If you make an early  payment prior to your loan entering the repayment period or pay anything other than an amount due, you will need to specify the loan(s) to which the payment should be applied.

Have questions or need help?

If you ever encounter a financial hardship and cannot make a scheduled payment, please contact us for assistance. If you have questions about private student loan repayment, please call us or visit our Private Student Loan Repayment FAQs.

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You're automatically eligible for online banking when you are the primary borrower for a Wells Fargo student loan.
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