Aidvantage

Phone: (800) 722-1300 Monday 8 a.m. to 9 p.m.  Tuesday and Wednesday 8 a.m. to 8 p.m.  Thursday and Friday 8 a.m. to 6 p.m.   TDD: (877) 713-3833 Monday 8 a.m. to 9 p.m.  Tuesday and Wednesday 8 a.m. to 8 p.m.  Thursday and Friday 8 a.m. to 6 p.m.   International: 001-317-806-0580 Monday 8 a.m. to 9 p.m.  Tuesday and Wednesday 8 a.m. to 8 p.m.  Thursday and Friday 8 a.m. to 6 p.m. Monday to Friday, 8 a.m. to 5 p.m. Eastern time.   CollegeServ: (888) 272-4665 Monday to Thursday: 8 a.m. to 9 p.m. Eastern time Friday: 8 a.m. to 8 p.m. Eastern time.   Electronic Services: (800) 348-4606 Monday to Friday: 8 a.m. to 5 p.m. Eastern time.   Military benefits: (855) 284-4879 Monday to Thursday: 8 a.m. to 9 p.m. Eastern time Friday: 8 a.m. to 8 p.m. Eastern time.  

Customer service: (866) 266-0178 International: (570) 706-8563 CollegeServ: (800) 828-0250 Military benefits: (800) 848-1949

CollegeServ: collegeserv@aidvantage.com Military benefits: militarybenefits@aidvantage.com Electronic Services: ESNAVI@aidvantage.com  

Aidvantage provides options for loan forgiveness in certain situations:

1. Teacher Loan Forgiveness

• Eligibility: Teaching full-time for five consecutive academic years at a low-income elementary or secondary school or an educational service agency.
• Amount: You may qualify for up to $5,000 in forgiveness.
  • If you meet the criteria as a "highly qualified teacher," you could be eligible for up to $17,500.
• Applies to: Direct Loans or Federal Family Education Loan Program (FFELP) loans.

2. Public Service Loan Forgiveness (PSLF)

• Eligibility: Working full-time for a government or non-profit organization.
• Requirements:
  • Make 120 qualifying monthly payments under an approved repayment plan.
  • Be employed full-time by an eligible employer at the time of forgiveness.
• Amount: Forgiveness of your remaining loan balance.

3. Total and Permanent Disability (TPD) Discharge

• Amount: Your loans will be canceled, and you won’t need to repay them.
• Proof of Disability:
  • Veterans: Submit proof from the Department of Veterans Affairs showing unemployment due to a service-connected disability.
  • SSDI or SSI Recipients: Provide documentation confirming your benefits.
  • Physician Certification: A licensed doctor must certify that you are totally and permanently disabled.

4. Discharge Due to Death

• Eligibility: The borrower's death.
• Requirement: Provide a death certificate or official proof of death.

Aidvantage offers a 6-month grace period.

Aidvantage is a subsidiary of Maximus.

Standard Repayment Plan

• Duration: Typically 10 years (up to 30 years for Consolidation Loans).
• Repayment: Fixed monthly payments.
• Minimum Payment: $50 per month.
• Monthly payment is determined by the total loan balance.

2. Graduated Repayment Plan

• Duration: Typically 10 years (up to 30 years for Consolidation Loans).
• Repayment: Starts with lower payments that gradually increase.
• Payment Increase: Payments generally rise every 2 years.

3. Extended Repayment Plan

• Duration: Up to 25 years.
• Repayment: Offers a longer period to repay loans.

• Online: Through your Aidvantage account.
• Autopay: Automatic deductions from your bank account on the due date.
• Phone: Call (800) 722-1300.
• Mail:

Address: Aidvantage – Federal Student Aid Loan Servicing P.O. Box 4450 Portland, OR 97208-4450

No, Advantage is a federal student loan servicer.

Be sure to document all of your complaints and any communication while working to resolve the issue. Step 1: Start by submitting a complaint through the customer service system. If the issue persists, move on to the next steps. Step 2:

• Use the Federal Student Aid Feedback System.
• Contact your state attorney general's office.
• Reach out to your state consumer protection office.
• Get in touch with your congressional representative.

Step 3: If the issue is still unresolved, you may contact the Federal Student Aid Ombudsman Group as a last resort.

• Phone: (877) 557-2575
• Mail: U.S. Department of Education FSA Ombudsman Group P.O. Box 1854 Monticello, KY 42633

You can find your 10-digit account number on any Aidvantage correspondence (such as your monthly statement) or on the profile page of your online account.