Student Services

Loan Repayment

You begin repaying Federal Direct Stafford loans six months after graduation, leaving school, or dropping below half-time enrollment. You must complete federally required Exit Counseling before you graduate from SCF, if you drop below half-time attendance, or withdraw from classes completely.

A loan servicer will be assigned your loan from the Department of Education. The loan servicer is provided to help you manage the repayment of your Federal student loans for free. The loan servicer will work with you on repayment plans and loan consolidation and will assist you with other tasks related to your federal student loan. It is important to maintain contact with your loan servicer. If your circumstances change at any time during your repayment period, your loan servicer will be able to help.

You can visit My Federal Student Aid to view all the information about the federal student loans that you have received and you will find the contact information for the loan servicer. 

When your loan is due, the federal loan servicer will mail you a payment schedule with your monthly payment of principal and interest, and the unpaid balance for each month it takes to repay your total debt. If they do not contact you, you are responsible for contacting them at:

U.S. Department of Education
Higher Education Loan Service Center
PO Box 4609
Utica, NY 13504-4609

Hours of Operations are from 8am-8pm EST
1-800-848-0979        1-800-848-0983 (TYY) 
Delinquent Account/Collections Department: 1-800-848-0981


The Federal Student Aid Information Center (FSAIC) They can be reached by email, chat or phone. 

You can call 1-800-433-3243   or email at 


National Student Loan Data System (NSLDS)

With your FSA ID, you can access NSLDS, (Copy this address into your browser, ) a database that contains your financial aid history from any school. This includes grants, federal Stafford and PLUS loans, whether borrowed directly from the Federal government or a private lender. Private loans are not listed on NSLDS.

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