How do I get my private student loans from my credit report?

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 is maintained at the expense of Equifax, Experian, and TransUnion to provide transparency to all and is not affiliated with Lexria.

  1. Visit
  2. Click or tap the button titled 'Request your free credit reports'
  3. Click or tap the button titled 'Request your credit reports'
  4. Fill out the form with your personal information and click 'Next'
  5. Select a bureau and click Next
  6. Complete any bureau-specific requirements like providing your social security number (again) or completing security questionnaires.
  7. Download your report to save it
  8. Look for loans of the type 'Student Loan', 'Educational Loan', or similar.
  9. 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.