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Federal Student Loan Repayment Information

How to repay a Wells Fargo federal student loan

Prior to July 1, 2010, Wells Fargo provided federal student lending choices such as Stafford Loans and PLUS Loans as part of the Federal Family Education Loan Program (FFELP). Due to a change in federal law, Wells Fargo and other private lenders are not able to provide federal student loans; instead, all new federal student loans are Direct Loans available from the U.S. Department of Education (DOE) through the William D. Ford Federal Direct Loan Program. Learn more on our federal loans information page.

Wells Fargo federal student loans that were originated on or before May 1, 2008 are serviced by Affiliated Computer Services (ACS) and American Education Services (AES). 

If you’re in repayment on your federal student loan, you should be receiving statements from ACS or AES. 

If you’re not in repayment, you’ll receive a written notice by mail 45 days before repayment is scheduled to begin.

For more information: 

Many Wells Fargo federal loans originating after May 1, 2008 were sold to the DOE, which then contracted the servicing of these loans to other loan servicing companies.

You can find your loan service provider on the National Student Loan Data System (NSLDS).

What information is available on the NSLDS website?

NSLDS provides information on your federal student loans and grants, including your loan servicer, loan and grant amounts, outstanding balances, loan statuses (for example, whether your loan is in repayment or in the grace period), and disbursements.

How do I access the information on the NSLDS web site?

Go to the NSLDS website at nslds.ed.gov and click the Financial Aid Review button. You will be asked for your Social Security number, the first two letters of your last name, your date of birth, and your federal student aid Personal Identification Number (PIN) to get your loan information.

Federal student loans provide a variety of repayment plans to choose from. The amount you pay and the length of time to repay will vary depending on the repayment plan you choose.

Some of the most common federal student loan repayment plans are: 

  • Standard repayment. You pay a fixed amount each month.
  • Graduated repayment. You pay a lower amount to begin with and then gradually increase that amount, usually every two years.
  • Income-based repayment. Your monthly payment is based on a percentage of your income.

The DOE operates the Federal Student Aid website at studentaid.ed.gov, which provides detailed information on federal loans, including repayment plans. You can also email them via this site or call 1-800-4-FED-AID (1-800-433-3243) or TDD 1-800-730-8913.

If you are continuing your education, in the military, or experiencing financial challenges, you may be able to postpone your loan payments temporarily or lower your monthly payment amount.

Contact your loan servicer to discuss your specific situation and learn about the deferment or forbearance options you may have. The earlier you contact them, the more options may be available to you.

In some situations, your obligation to pay your federal student loan may be cancelled or forgiven. Contact your loan servicer to discuss your situation and determine your eligibility.