Prepare, then verify

Questions for your servicer

Use these prompts to understand the account. They are not a negotiation script and do not tell a servicer what outcome to provide.

Before the conversation

What is my current principal and outstanding interest? What status is each loan in? What amount and date does your system currently show? How was my most recent payment applied? Where can I review this information in writing? Which Federal Student Aid page explains the current options? What reference number can I record for this conversation?

Keep a follow-up record after the servicer conversation

Keep a private note with the date you checked, the statement field in question, the explanation you received, and the written source still needed. Separate a confirmed account fact from a question that remains open.

If the next statement differs, compare the same field and statement date. This record does not decide whether an amount is correct or which repayment option fits you.

Compare the fields on your next statement

Record the date, channel, representative name if offered, and what you were told. Verify important instructions in your official account or in writing.