What should I do if I can't access my NSLDS file?

It's possible that you may not have an NSLDS file available at the NSLDS website (https://studentaid.gov/). Typically, this will be due to one of three factors:

  1. You may not have federal student loans. Navigating your student loan portfolio can be confusing. Your loans may have changed servicers throughout the years, and this can add to the confusion. Many times people may believe that they have federal student loans when in fact their student loans are privately held.

    Private student loans do not operate along the same guidelines as federal student loans. The Student Debt Solutions system primarily focuses on federal student loans. If you have questions in regards to private student loans, we recommend working with a student loan counselor at a non-profit agency.

  2. If your loans are new, the NSLDS system may not have populated your data yet. It typically takes 30 to 45 days for data to appear in the system. If more than 60 days have passed since your loan was issued, contact your school's financial aid office that processed your loan for additional information.

  3. You may, in fact, have federal student loans, but for one reason or another, the Department of Education (ED) is no longer listing your NSLDS file. This sometimes happens if your student loans have been in a default status for several years.

    You can visit the Debt Resolution page at https://myeddebt.ed.gov to verify that you have defaulted federal student loans registered with ED. If the Debt Resolution site shows that you have defaulted student loans but your NSLDS file is not registered, we recommend working with a student loan counselor at a non-profit agency.

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