Great Lakes Customer Service: What It Can Do and How to Contact

Great Lakes is one of nine government student advance servicers that oversee loans and borrower installments.

• Great Lakes Higher Education Corp. is one of nine organizations that administration government advance obligation by gathering and following installments. In the event that Great Lakes is your student credit servicer, this is what it can enable you to do. 

• Register for online access to your record. When you approach you can contact Great Lakes, get to your month to month charging proclamations and take care of tabs. 

• Take a crack at autopay. Great Lakes can deduct your installments consequently from your financial balance. Pursuing autopay will diminish your loan fee by 0.25%. 

• Pursue pay driven reimbursement. You can demand salary driven reimbursement, which constrains your student advance installments to a level of your pay, by finishing a paper structure with Great Lakes. (You can apply online on studentaid.gov and afterward recertify your pay every year online also.) 

• Procedure delay and restraint demands. Great Lakes can help you incidentally quit making installments or diminish your installment sum in the event that you qualify. This encourages you remain on favorable terms to stay away from default. Be that as it may, during any times of delay or patience, intrigue can keep on building. 

• Procedure regularly scheduled installments and additional installments. Great Lakes will track and gather your installments. On the off chance that you need to make extra installments, you can teach Great Lakes (on the web, by telephone or via mail) to apply additional installments to your present parity. Else, it might apply the extra add up to following month's installment.

Your advance servicer is doled out by the U.S. Branch of Education when your advance is dispensed to your school just because. The name of the organization sending you a government advance bill each month is your servicer. In the event that your credit installments haven't started or you don't know which organization is your servicer, sign in to My Federal Student Aid to discover. You can likewise connect with any of the advance servicer contact focuses by calling 1-800-4-FED-AID. 



Servicers are there to support you, yet they may offer decisions that are best for the organization, not the borrower. That implies they can't change how installments are handled and may not recommend the most useful reimbursement alternative for you. It's generally imperative to know your reimbursement choices so you can realize the correct inquiries to pose.

On the off chance that Great Lakes detailed a blunder with your record 

 
Almost 5 million borrowers whose government student loans are adjusted by Great Lakes may have seen their FICO ratings plunge in light of the fact that their obligations were mistakenly answered to the significant credit agencies during the programmed half year restraint that started in March 2020. 

Your stopped installments may have been accounted for as "conceded" because of a coding mistake. The stopped installments ought to have been accounted for as though you had made them. In the event that you were present when self control started, for instance, the status ought to be "current." 

Conceded status isn't a scoring factor under FICO credit scoring recipes, the ones most generally used to settle on loaning choices. Be that as it may, conceded status can bring down the FICO ratings created by VantageScore recipes — the scores most usually offered for nothing to shoppers as an approach to follow their record as a consumer. 

Great Lakes says it is working with credit announcing offices to address the errors. When the data on the hidden credit report is right, FICO assessments ought to be unaffected. 

Borrowers should check their credit reports from every one of the three credit revealing departments at AnnualCreditReport.com, the free, government-run site. 

Great Lakes asks that borrowers get in touch with it straightforwardly if their credit reports are off base. Call 800-236-4300. Get more data on reaching Great Lakes client assistance or submitting a question here.

Am I stayed with Great Lakes until my loans are paid off? 

Loans are in some cases moved starting with one servicer then onto the next by the Department of Education. 

You'll be informed if this occurs and you'll oversee installments with the new servicer. All servicers convey similar alternatives and projects, yet client assistance may contrast starting with one then onto the next. 

Else, you are probably going to stay with Great Lakes except if you act to switch servicers. Utilize this instrument to discover what may work for you.

Step by step instructions to arrive at Great Lakes client assistance 

Great Lakes contact number: 800-236-4300 

Great Lakes long periods of activity: Monday – Friday 7 a.m. to 9 p.m. CT 

Great Lakes address for advance installments: 

ED-Held Loans Processed and Serviced by Great Lakes Dept of Education 

P.O. Box 530229 

Atlanta, GA 30353-0229 

Bank Held FFELP Loans Processed and Serviced by Great Lakes 

Great Lakes P.O. Box 3059 

Milwaukee, WI 53201-3059 

Great Lakes address for general correspondence: 

Great Lakes 

P.O. Box 7860 

Madison, WI 53707-7860 

Great Lakes site: mygreatlakes.org 

Great Lakes email: Complete the online structure or email borrowerservices@glhec.org 

Great Lakes social channels: Great Lakes Facebook and Great Lakes Twitter

Instructions to gripe about Great Lakes 

In case you're experiencing issues with Great Lakes that you have been not able to determine, start by recording a grumbling straightforwardly with its ombudsman. It's the servicer's most noteworthy client support office. Call 866-348-0708 or email greatlakesservicingombudsman@glhec.org. You can likewise sign in to your Great Lakes record to document an objection. 

On the off chance that your issue goes uncertain, you can likewise submit questions about Great Lakes to:

• Federal Student Aid Feedback System.
• Your state attorney general’s office.
• Your state consumer protection office.
• Your congressional representative.

Make a point to track discussions you have, including the day, time and client support delegate you talked with. Keep duplicates of any letters, bills or messages about your record. 

Step by step instructions to settle a debate with Great Lakes 

On the off chance that a grumbling doesn't enable, you to can contact the Federal Student Aid Ombudsman Group. This technique ought to be utilized uniquely if all else fails, says the government student help office. Complete all data on the Ombudsman Information Checklist before reaching. At the point when you're prepared to connect, here's the means by which to connect: 

Telephone: 877-557-2575 

Via mail: U.S. Branch of Education 

FSA Ombudsman Group 

P.O. Box 1843 

Monticello, KY 42633 

You can likewise connect with a student loans charitable, for example, The Institute of Student Loan Advisors, which gives free contest goals. 

THE NINE FEDERAL STUDENT LOAN SERVICERS 

Get familiar with every one of the government advance servicers, including what they can do and how to contact.