How to Change Your Name on Student Loans

Following a legal name change due to marriage, divorce, or a court order, updating your name on student loan records is essential. Accurate information ensures proper communication from loan servicers and prevents potential administrative issues. This process is necessary for both federal and private student loans to reflect your current legal identity.

Preparing Your Name Change Request

Before contacting any loan servicer, identify who holds your loans and gather specific documents. For federal student loans, log into your StudentAid.gov account dashboard. This online portal provides information on all your federal loan servicers, balances, and repayment details. If you cannot access your online account, the Federal Student Aid Information Center (FSAIC) can assist you by phone.

Private student loan servicers can often be identified by reviewing recent loan statements or checking your credit report. Many private lenders service their own loans, while others may use external servicers. Your loan documents from when you first applied should also list the servicer.

Once servicers are identified, you will need official documentation to prove your legal name change. This typically includes a certified copy of a marriage certificate, a divorce decree, or a court order for a legal name change. Certified copies carry an official seal or certification from the issuing authority, confirming they are true copies of the original. These documents are distinct from photocopies and are required for official updates.

Changing Your Name on Federal Student Loans

The first step involves updating your name with the Social Security Administration (SSA). This is a prerequisite, as StudentAid.gov verifies your information directly with the SSA.

Once the SSA processes your name change, update your StudentAid.gov account by logging in and navigating to the “Personal Information” section within “Settings.”

Following this, contact each of your individual federal loan servicers to inform them of the name change and submit your certified documentation. Servicers typically require the submission of these official documents to finalize the update on their records.

Changing Your Name on Private Student Loans

Updating your name on private student loans requires direct communication with each specific private loan servicer. While the general expectation is to provide official documentation, the exact process can vary between lenders. Many private lenders offer specific instructions on their websites or through their customer service channels for submitting name change requests.

You will typically need to contact the servicer directly, either by phone or through their online portal, to understand their specific requirements for document submission. Most servicers will ask for a certified copy of your legal name change document, such as a marriage certificate or court order, to verify the change. Some may also request additional forms of identification, like a driver’s license or Social Security card.

Documents are often submitted through a secure online upload portal, via mail, or sometimes in person. Confirm the preferred submission method and any specific mailing addresses with your servicer to avoid delays.