Every American is entitled to obtain a free credit report from each of the major credit bureaus annually. If you do not have a comprehensive list of all the student loan lenders you owe money to or are struggling to find lender-specific information in a lender's web portal, looking up your loans on your credit report can be a helpful tool. The website annualcreditreport.com is maintained at the expense of Equifax, Experian, and TransUnion to provide transparency to all and is not affiliated with Lexria.
- Visit annualcreditreport.com
- Click or tap the button titled 'Request your free credit reports'
- Click or tap the button titled 'Request your credit reports'
- Fill out the form with your personal information and click 'Next'
- Select a bureau and click Next
- Complete any bureau-specific requirements like providing your social security number (again) or completing security questionnaires.
- Download your report to save it
- Look for loans of the type 'Student Loan', 'Educational Loan', or similar.
- Loans that do not begin with 'US Department of Education', 'US Dept of Ed', or similar are private loans. You may see loans that look like "US DEPT OF ED/NAVIENT", these are federal loans serviced by Navient or a different servicer. They are not private loans.