Federal Student Loans

Federal Student Loans

Total student loan debt has increased by over 150% in the last decade. Currently over 44 million people in the U.S. now have student loan debt.

Student Loan debt has now surpassed Credit Card debt and is now the second largest consumer debt in the U.S. with Mortgage debt taking the top spot. There were 5,344 complaints against student loan servicers so far in the Consumer Financial Protection Bureau’s complaint database in 2016.

There are numerous new programs available for Federal  student loans. We can often save you hundreds a month by doing a review. You will be amazed that you waited so long to take the weight of student loan debt off of your shoulders.

Here at Galler Law Firm, we can help you if you are in default on a student loan. We can help get you out of your default and in some cases reduce the number of years you have to pay. Maybe you just have questions before you take the necessary steps to get this resolved. Let our lawyers here in the Atlanta area at Galler Law Firm help shed some light!

If you have Federal Student Loans please click here to create or retrieve your a FSA ID.

Galler Law will review your outstanding student loans to determine your available options and provide you a recommended course of action.

In many cases we can do the following:

1. Lower monthly payment.

2. Help remove Loan from Default.

3. Stop Garnishment of wages or seizure of  Federal Income tax refunds.

4. Remove collection costs from loans.

5. Help remove negative credit placed by Federal Student loan companies.

It should be noted that while the rules should be the same for all student loan, some services do handle claims a little differently. But we EW experienced dealing with all servicers.


  1. These are just 6 of the most common Servicers:
  • NAVIENT: Navient came out the worst, with 1,317 complaints made about federal student loans, which breaks down to 19.54 complaints per 100,000 borrowers. When you add in private student loans, Navient had an additional 1,596 complaints against it, for a total of 2,913.
  • PHEAA (FedLoan and AES) With 907 complaints against it so far this year just for federal loans, PHEAA had 10.86 complaints per 100,000 borrowers—better than Navient, certainly, but then it had 8,350,000 borrowers compared with Navient’s 6,740,000 borrowers. Overall PHEAA had 1,385 complaints—it logged another 478 complaints about private loans.
  • NELNET: Although the five not-for-profit servicers collectively actually finished third from the bottom, with a surprisingly large number of complaints in aggregate, when all servicers were considered individually Nelnet claimed that spot with 406 federal loan complaints (an average of 6.51 complaints per 100,000 borrowers) and 87 private loan complaints. The Student Loan Report pointed out that, “despite private student loans making up only around 10 percent of the total student loan market, 42 percent of all complaints against servicers were made regarding private student loans.”
  • GREAT LAKES: Great Lakes had an average of 3.09 complaints per 100,000 borrowers on federal loans, with 255 complaints from a total of 8,260,000 borrowers. When you add in the 46 complaints it received about its handling of private student loans that gave it its sixth-place finish.
  • EdFINANCIAL/HESC: Another not-for-profit servicer, EdFinancial/HESC had 49 complaints about federal loans and 11 about private loans. The report pointed out that “on average, only 1 out of every 10,585 borrowers made a complaint to the CFPB about his or her servicer (assuming there were not multiple complaints made by one person). Though this may seem pretty low, it only includes complaints made to the CFPB. Many borrowers may have filed a complaint somewhere else, or not at all, when they ran into trouble.”


Complete Federal Student Loan Servicers contact information

Attn: ED Loan Consolidation
PO Box 6180
Indianapolis, IN 46206-6180 USA
c/o Navient LCP – E1140
PO Box 8008
Fishers, IN 46038-8008 USA
PO Box 82658
Lincoln, NE 68501-2658 USA
c/o Navient LCP – E1140
PO Box 8005
Fishers, IN 46038-8005 USA
Granite State – GSMR 
c/o Navient LCP – E1140
PO Box 8006
Fishers, IN 46038-8006 USA
c/o Navient LCP – E1140
PO Box 8007
Fishers, IN 46038-8007 USA
FedLoan Servicing (PHEAA) 
FedLoan Consolidation Department
P.O. Box 69186
Harrisburg, PA 17106-9186 USA
Great Lakes Educational Loan Services, Inc. 
Consolidation Department
P.O. Box 8956
Madison, WI 53708-8956 USA
OSLA Servicing 
c/o Navient LCP – E1140
PO Box 8009
Fishers, IN 46038-8009 USA