OSLA, or the Oklahoma Student Loan Authority, services federal student loans for the U.S. Department of Education. OSLA services both Direct Loans and FFELP Loans.
Compare Our Top Picks For Student Loan Refinance For 2021
Overview
| Key | Value |
|---|---|
| Variable APR: | 2.24% – 6.58% |
| Fixed APR: | 2.74% – 6.94% |
| Minimum Credit Score: | 650 |
| Minimum Income: | None |
| Fees: | None |
| Minimum Loan Amount: | $5,000 ($10,000 in CA) |
Details
| Key | Value |
|---|---|
| Eligible Loans: | Private & Federal |
| Eligible Degrees: | Undergraduate & Graduate |
| Loan Terms: | 5, 7, 10, 15, 20 years |
| Borrower Residency: | All states |
| Hardship Deferment: | Yes |
| Co-signer Option: | Yes |
Overview
| Key | Value |
|---|---|
| Variable APR: | 1.88% – 5.64% |
| Fixed APR: | 2.50% – 5.79% |
| Minimum Credit Score: | 650 |
| Minimum Income: | None |
| Fees: | None |
| Minimum Loan Amount: | $5,000 |
Details
| Key | Value |
|---|---|
| Eligible Loans: | Private & Federal |
| Eligible Degrees: | Undergraduate & Graduate |
| Loan Terms: | 5-20 years |
| Borrower Residency: | All States except KY or NV |
| Hardship Deferment: | Yes |
| Co-signer Option: | No |
Overview
| Key | Value |
|---|---|
| Variable APR: | 2.39% – 6.01% |
| Fixed APR: | 2.58% – 5.99% |
| Minimum Credit Score: | 680 |
| Minimum Income: | $35,000 |
| Fees: | None |
| Minimum Loan Amount: | $15,000 |
Details
| Key | Value |
|---|---|
| Eligible Loans: | Private & Federal |
| Eligible Degrees: | Undergraduate & Graduate |
| Loan Terms: | 5, 7, 10, 15, 20 years |
| Borrower Residency: | All States |
| Hardship Deferment: | Yes |
| Co-signer Option: | Yes |
Overview
| Key | Value |
|---|---|
| Variable APR: | 1.88% – 6.15% |
| Fixed APR: | 2.49% – 6.25% |
| Minimum Credit Score: | 660 |
| Minimum Income: | None |
| Fees: | None |
| Minimum Loan Amount: | $5,000 |
Details
| Key | Value |
|---|---|
| Eligible Loans: | Private & Federal |
| Eligible Degrees: | Undergraduate & Graduate |
| Loan Terms: | 5 – 20 years |
| Borrower Residency: | All states |
| Hardship Deferment: | Varies |
| Co-signer Option: | Yes |
Overview
| Key | Value |
|---|---|
| Variable APR: | 1.89% – 5.90% |
| Fixed APR: | 2.50% – 6.00% |
| Minimum Credit Score: | 700 |
| Minimum Income: | None |
| Fees: | None |
| Minimum Loan Amount: | $5,000 |
Details
| Key | Value |
|---|---|
| Eligible Loans: | Private & Federal |
| Eligible Degrees: | Undergraduate & Graduate |
| Loan Terms: | 5, 7, 10, 15, 20 years |
| Borrower Residency: | All States |
| Hardship Deferment: | Yes |
| Co-signer Option: | Yes |
Overview
| Key | Value |
|---|---|
| Overall Rate: | 1.95% – 3.85% |
| Variable APR: | – |
| Fixed APR: | 1.95% – 3.85% |
| Minimum Credit Score: | None |
| Minimum Income: | None |
| Fees: | None |
| Minimum Loan Amount: | $25,000 |
Details
| Key | Value |
|---|---|
| Eligible Loans: | Private & Federal |
| Eligible Degrees: | Undergraduate & Graduate |
| Loan Terms: | 5, 7, 10, 15 years |
| Borrower Residency: | Must live near a branch in California; New York City; Boston; Greenwich, Connecticut; Palm Beach, Florida; Portland, Oregon; or Jackson, Wyoming |
| Hardship Deferment: | No |
| Co-signer Option: | Yes |
Overview
| Key | Value |
|---|---|
| Variable APR: | 1.90% – 5.25% |
| Fixed APR: | 2.95% – 7.63% |
| Minimum Credit Score: | 680 |
| Minimum Income: | $24,000 |
| Fees: | None |
| Minimum Loan Amount: | $5,000 |
Details
| Key | Value |
|---|---|
| Eligible Loans: | Private & Federal |
| Eligible Degrees: | Undergraduate & Graduate |
| Loan Terms: | 5, 7, 10, 15, 20 years |
| Borrower Residency: | All states, except ME, ND, NV, RI, WV |
| Hardship Deferment: | Yes |
| Co-signer Option: | Yes |
What is a student loan servicer?
OSLA student loan repayment options
Standard Repayment Plan: A standard repayment plan lasts up to 10 years. If you consolidate your federal student loans, you can repay for up to 30 years. The payments are fixed amounts with a minimum of $50 per month.
Extended Repayment Plan: An extended repayment plan gives you up to 25 years to repay your student loans.
Graduated Repayment Plan: A graduated repayment plan starts with a low monthly payment and increases usually every two years. The repayment term is 10 years (and may be up to 30 years for a Direct Consolidation Loan).
Income-Driven Repayment Plans: You can also enroll in an Income-Driven Repayment plan, which lowers your monthly payment based on your discretionary income. With an income-driven payment, your monthly payment may be as low as $0.
How to make student loan payments to OSLA
The best way to make student loan payment is on the OSLA website. You can use your OSLA student loans login. When you register on the OSLA website, you will create an ID and password. Make sure to sign up for OSLA’s autopay programso that your student loan payments are automatically withdrawn from your bank account each month. This will help ensure that you don’t receive any late fees or negative impact to your credit score. When yousignup for autopay, you’ll also receive a 0.25% discount on your student loan interest rate.
How to contact OSLA customer service
OSLA Phone Number: 1-866-264-9762
OSLA Hours of Operation: Monday – Friday 8 am – 5 pm CT
OSLA Email: DLcustserv@osla.org
OSLA Social Media: OSLA Facebook
OSLA Fax Number: 1-855-813-2224
OSLA Website: Osla.org
OSLA Customer Login: Osla.org
OSLA Mailing Address For Loan Payments:
P.O. Box 4278
Portland, OR 97208-4278
OSLA Mailing Address For General Correspondence:
P.O. Box 18475
Oklahoma City, OK 73154-0475
How to file a complaint against OSLA
If you want to complain about OSLA customer service or file a complaint against OSLA as your student loan servicer, you have several options. First, you can file a complaint with the OSLA directly by contacting 405-556-9232 and speaking with the customer service supervisor.
Phone: 1- 877-557-2575
Mailing Address:
U.S. Department of Education
Federal Student Aid Ombudsman Group
P.O. Box 1843
Monticello, KY 42633
Make sure to complete the Federal Student Aid (FSA) Ombudsman Information Checklist as well.
