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OSLA Customer Service: Overview and How to Contact

By Mentor Staff | Edited By Mentor Staff

Updated On September 7, 2022

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.

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OSLA, or the Oklahoma Student Loan Authority, services federal student loans for the U.S. Department of Education. OSLA services both Direct Loans and FFELP Loans. Here’s what you should know about OSLA to maximize your customer service experience, if OSLA is your student loan servicer. In this guide, we will discuss:

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November 2024

Fixed APR ?APR, or Annual Percentage Rate, is the price you pay to borrow money. Fixed APR means that your interest rate will always stay the same. Even if interest rates change, your interest rate or monthly payment will not. Fixed APR includes a 0.25% discount when you enroll in autopay.
Variable APR ?APR, or Annual Percentage Rate, is the price you pay to borrow money. Variable APR means that your interest rate can fluctuate over time, which can increase or decrease your monthly student loan payment. Typically, a variable-rate loan has a lower introductory rate than a fixed-loan rate loan. Variable APR includes a 0.25% discount when you enroll in autopay.
APR
4.49% - 9.99%
5.99% - 9.99%
4.49% - 9.99%
Get My Rate

View Details

on SoFi's website

Overview

Variable APR:
5.99% - 9.99%
Fixed APR:
4.49% - 9.99%
Minimum Credit Score:
650
Minimum Income:
None
Fees:
None
Minimum Loan Amount:
$5,000 ($10,000 in CA)

Details

Eligible Loans:
Private & Federal
Eligible Degrees:
Undergraduate & Graduate
Loan Terms:
5, 7, 10, 15, 20 years
Borrower Residency:
All states
Hardship Deferment:
Yes
Co-signer Option:
Yes

Review:

SoFi Student Loan Refinancing Review

3.95% - 9.74%
5.89% - 9.74%
3.95% - 9.74%
Get My Rate

View Details

on Earnest's website

Overview

Variable APR:
5.89% - 9.74%
Fixed APR:
3.95% - 9.74%
Minimum Credit Score:
650
Minimum Income:
None
Fees:
None
Minimum Loan Amount:
$5,000

Details

Eligible Loans:
Private & Federal
Eligible Degrees:
Undergraduate & Graduate
Loan Terms:
5-20 years
Borrower Residency:
All States except NV
Hardship Deferment:
Yes
Co-signer Option:
No

Review:

Earnest Student Loan Refinancing Review

5.19% - 9.74%
5.99% - 9.74%
5.19% - 9.74%
Get My Rate

View Details

on NaviRefi's website

Overview

Variable APR:
5.99% - 9.74%
Fixed APR:
5.19% - 9.74%
Minimum Credit Score:
680
Minimum Income:
None
Fees:
None
Minimum Loan Amount:
$5,001 ($10,001 in CA)

Details

Eligible Loans:
Private & Federal
Eligible Degrees:
Undergraduate & Graduate
Loan Terms:
5-20 years
Borrower Residency:
All States except NV
Hardship Deferment:
Yes
Co-signer Option:
No

Review:

NaviRefi Student Loan Refinancing Review

4.88% - 8.44%
4.86% - 8.49%
4.86% - 8.49%
Get My Rate

View Details

on ELFI's website

Overview

Variable APR:
4.86% - 8.49%
Fixed APR:
4.88% - 8.44%
Minimum Credit Score:
680
Minimum Income:
$35,000
Fees:
None
Minimum Loan Amount:
$10,000

Details

Eligible Loans:
Private & Federal
Eligible Degrees:
Undergraduate & Graduate
Loan Terms:
5, 7, 10, 15, 20 years
Borrower Residency:
All States
Hardship Deferment:
Yes
Co-signer Option:
Yes

Review:

ELFI Student Loan Refinancing Review

4.84% - 9.99%
5.89% - 9.99%
4.84% - 9.99%
Get My Rate

View Details

on Splash's website

Overview

Variable APR:
5.89% - 9.99%
Fixed APR:
4.84% - 9.99%
Minimum Credit Score:
640
Minimum Income:
None
Fees:
None
Minimum Loan Amount:
$5,000

Details

Eligible Loans:
Private & Federal
Eligible Degrees:
Undergraduate & Graduate
Loan Terms:
5 – 20 years
Borrower Residency:
All states
Hardship Deferment:
Varies
Co-signer Option:
No

Review:

Splash Financial Student Loan Refinancing Review

5.89% - 10.98%
7.02% - 12.44%
5.89% - 12.44%
Get My Rate

View Details

on Citizens' website

Overview

Variable APR:
7.02% - 12.44%
Fixed APR:
5.89% - 10.98%
Minimum Credit Score:
Not disclosed
Minimum Income:
$24,000
Fees:
No prepayment or origination fees
Minimum Loan Amount:
$10,000

Details

Eligible Loans:
Private & Federal
Eligible Degrees:
Undergraduate & Graduate
Loan Terms:
5, 7, 10, 15, 20 years
Borrower Residency:
All states
Hardship Deferment:
Yes
Co-signer Option:
Yes

Review:

Citizens Student Loan Refinancing Review

4.99% - 8.90%
5.29% - 9.20%
4.99% - 9.20%
Get My Rate

View Details

on Laurel Road's website

Overview

Variable APR:
5.29% - 9.20%
Fixed APR:
4.99% - 8.90%
Minimum Credit Score:
680
Minimum Income:
None
Fees:
None
Minimum Loan Amount:
$5,000

Details

Eligible Loans:
Private & Federal
Eligible Degrees:
Undergraduate & Graduate
Loan Terms:
5, 7, 10, 15, 20 years
Borrower Residency:
All States
Hardship Deferment:
Yes
Co-signer Option:
Yes

Review:

Laurel Road Student Loan Refinancing Review

5.49% - 9.75%
5.53% - 12.18%
5.49% - 12.18%
Get My Rate

View Details

on LendKey's website

Overview

Variable APR:
5.53% - 12.18%
Fixed APR:
5.49% - 9.75%
Minimum Credit Score:
680
Minimum Income:
$24,000
Fees:
None
Minimum Loan Amount:
$5,000

Details

Eligible Loans:
Private & Federal
Eligible Degrees:
Undergraduate & Graduate
Loan Terms:
5, 7, 10, 15, 20 years
Borrower Residency:
All states, except ME, ND, NV, RI, WV
Hardship Deferment:
Yes
Co-signer Option:
Yes

Review:

LendKey Student Loan Refinancing Review

Checking Your Rate Doesn't Affect Your Credit Score

What is a student loan servicer?

A student loan servicer collects and manages your student loan payments. If you have federal student loans, the U.S. Department of Education assigns you a student loan servicer when your student loan is disbursed to your college or graduate school. A student loan servicer may be different than your lender. You borrow a student loan from your lender, but you make payments to your student loan servicer.Student loan servicers can help you with student loan payments, but they are not necessarily acting as your financial advisor. Therefore, it’s important to understand all your repayment options because your student loan servicer may be acting in its own best interest rather than in yours.

OSLA student loan repayment options

OSLA offers several student loan repayment options:

Standard Repayment Plan: A standard repayment plan lasts up to 10 years. If you consolidate your federal student loans, you can repay for up to 30 years. The payments are fixed amounts with a minimum of $50 per month.

Extended Repayment Plan: An extended repayment plan gives you up to 25 years to repay your student loans.

Graduated Repayment Plan: A graduated repayment plan starts with a low monthly payment and increases usually every two years. The repayment term is 10 years (and may be up to 30 years for a Direct Consolidation Loan).

Income-Driven Repayment Plans: You can also enroll 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.OSLA offers several types of income-driven repayment plans:

How to make student loan payments to OSLA

The best way to make student loan payment is on the OSLA website. You can use your OSLA student loans login. When you register on the OSLA website, you will create an ID and password. Make sure to sign up for OSLA’s autopay programso that your student loan payments are automatically withdrawn from your bank account each month. This will help ensure that you don’t receive any late fees or negative impact to your credit score. When yousignup for autopay, you’ll also receive a 0.25% discount on your student loan interest rate.

How to contact OSLA customer service

There are various ways to contact OSLA customer service:

OSLA Phone Number: 1-866-264-9762

OSLA Hours of Operation: Monday – Friday 8 am – 5 pm CT

OSLA Email: DLcustserv@osla.org

OSLA Social Media: OSLA Facebook

OSLA Fax Number: 1-855-813-2224

OSLA Website: Osla.org

OSLA Customer Login: Osla.org

OSLA Mailing Address For Loan Payments:U.S. Department of Education — OSLA
P.O. Box 4278
Portland, OR 97208-4278

OSLA Mailing Address For General Correspondence:Oklahoma Student Loan Authority
P.O. Box 18475
Oklahoma City, OK 73154-0475

How to file a complaint against OSLA

If you want to complain about OSLA customer service or file a complaint against OSLA as your student loan servicer, you have several options. First, you can file a complaint with the OSLA directly by contacting 405-556-9232 and speaking with the customer service supervisor.You can also file a complaint against OSLA with:

You should maintain written communication between you and OSLA. This may include your monthly statements, records of communication with a OSLA 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
Make sure to complete the Federal Student Aid (FSA) Ombudsman Information Checklist as well.

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