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Aidvantage Customer Service: Overview and How to Contact
Updated On November 3, 2023
Editorial Note: This content is based solely on the author's opinions and is not provided, approved, endorsed or reviewed by any financial institution or partner.
Aidvantage is a leading student loan servicer for more than 7 million student loan borrowers and $166 billion in student loans. Aidvantage is a federal student loan servicing unit of Maximus Education that helps student loan borrowers manage the repayment of their federal student loans. Navient transferred its federal student loan servicing of federal student loans for the U.S. Department of Education to Aidvantage.
Here’s what you should know about Aidvantage to maximize your customer service experience, if Aidvantage is your student loan servicer. In this guide, we will discuss:
- Is Aidvantage my student loan servicer?
- Aidvantage student loan repayment options
- How to make student loan payments to Aidvantage
- How to contact Aidvantage customer service
- How to file a complaint against Aidvantage
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Is Aidvantage my student loan servicer?
Aidvantage is a student loan servicer, which is responsible for collecting and managing your student loan service payments. If you have federal student loans, the U.S. Department of Education assigns you a student loan servicer. This means that you can’t choose your student loan servicer, unless you decide to refinance your student loans. If you think Aidvantage may be your student loan servicer, or if you’re not sure who’s your student loan servicer, then you can verify your student loans with these simple steps.
- Log into the National Student Loan Data System (NSLDS): The NSLDS database includes all information about your student loans, including balances, history and student loan servicers. You can login with your Federal Student Aid (FSA) ID.
- Check your credit report: Your credit report will also tell you whether Aidvantage is your student loan servicer. You can order a free credit report for all major credit bureaus from AnnualCreditReport.com.
- Contact Aidvantage: You can contact Aidvantage directly to verify if Aidvantage if your student loan servicer. The phone number for Aidvantage is 1-800-722-1300.
Student loan repayment options
Aidvantage offers several student loan repayment options:
- Standard Repayment Plan: A standard repayment plan lasts up to 10 years and the monthly installment payment remains the same throughout the repayment period.
- Graduated Repayment Plan: A graduated repayment plan varies throughout the repayment period. A graduated repayment plan starts with smaller monthly payments and increases over time. For a limited time, the monthly payment is typically interest only and smaller than the standard repayment plan.
- Income-Sensitive Repayment Plan: An income-sensitive repayment plan is based on monthly gross income and your amount of student loan debt. The monthly loan payment is based on a fixed percentage of gross monthly income, between 4% and 25%.
- Income-Based Repayment (IBR): Income-Based Repayment (IBR) is an example in an income-driven repayment plan, which lowers your monthly payment based on your discretionary income. With an income-driven payment, your monthly payment may be as low as $0.
- 25-Year Extended Repayment Plan: The 25-Year Extended Repayment Planlowers your monthly payment and extends the repayment plan from 10 years to 25 years.To qualify, you must have a current loan balance of at least $30,000 and your student loans were disbursed after October 7, 1998.
Student loan borrowers with federal student loans also have access to income-driven repayment plans, student loan forgiveness, forbearance and deferment.
How to make student loan payments
Aidvantage offers several ways to pay off student loans. You can sign up for autopay and have your monthly student loan payments directly debited from your bank account. When you sign up for autopay, you may receive a reduction in your student loan interest rate. You can also pay online on the Aidvantage website. You can use your Aidvantage student loans login. When you register on the Aidvantage website, you will create user ID and password. To make a payment, you can sign in, click “Payments” and enter your payment information.
With Aidvantage, you can pay online, by debit card and by U.S. mail.
How to contact Aidvantage customer service
There are various ways to contact Aidvantage customer service:
Aidvantage Phone Number: 1-800-722-1300
Aidvantage Hours of Operation: Monday – Thursday from 8:00 a.m. to 9 p.m. eastern and Friday from 8:00 a.m. to 8:00 p.m. eastern
Aidvantage Website: Aidvantage.com
Aidvantage Email: You can email Aidvantage through the Email Us feature in the Help Center on the Aidvantage website.
Aidvantage Fax Number: 1-866-266-0178
Aidvantage Customer Login: https://www.Aidvantage.com/
Aidvantage Upload Documents: You can upload documents to your Aidvantage online account.
Where to Send Payments:
Student Loan Payments:
Aidvantage – U.S. Department of Education Loan Servicing
P.O. Box 4450
Portland, OR 97208-4450
General Correspondence:
Aidvantage – U.S. Department of Education Loan Servicing
P.O. Box 9635
Wilkes-Barre, PA 18773-9635
How to file a complaint
If you want to complain about Aidvantage customer service or file a complaint against Aidvantage as your student loan servicer, you have several options. First, you can file a complaint with Aidvantage’s student loan ombudsman. You can contact the Aidvantage student loan ombudsman by calling 1-800-722-1300.
You can mail a complaint to:
Aidvantage
Attention: Student Loan Ombudsman
P.O. Box 9635
Wilkes-Barre, PA 18773-9635
You can also file a complaint against Aidvantage with:
- Consumer Financial Protection Bureau
- Your state consumer protection office
- Federal Student Aid
- Your state attorney general
- Your congressional representative
You should maintain written communication between you and Aidvantage. This may include your monthly statements, records of communication with a Aidvantage customer service representative, emails and other correspondence.
You may also contact the U.S. Department of Education Ombudsman:
Phone: 1- 877-557-2575
Mailing Address:
U.S. Department of Education
Federal Student Aid Ombudsman Group
P.O. Box 1843
Monticello, KY 42633
The Federal Student Aid (FSA) Ombudsman Information Checklist is helpful to complete before contacting the Federal Student Aid Ombudsman.
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